Things you need to look for in your homeowners
Do you want to lower your homeowners insurance
- If you're in a position to pay a little more of the actual cost in
a claim then you can raise your deductible and lower your premiums.
- Stick with the same company. If you buy both your car insurance and
your homeowners insurance together, most companies will give you a
price break, but make sure it's worth it. Otherwise there is nothing
wrong with going with separate companies.
- Keep your home in good maintained condition and up to date with the
latest protection against hurricanes or other conditions in your part
of the country.
- Protect your investment and your family. Good locks, security systems
and smoke detectors are often identified for a possible discount on
- Keep your insurance up to date. Replacement cost escalate and coverage
needs to be changed. Have a yearly review. Market value is different.
You're concerned about material, labor, contractors, etc.
- If you spend alot of time at home, such as retirees and home business
operators, you may be able to get a discount on theft insurance.
- Insurance is getting harder to get in some parts of the country.
Be loyal to your insurance company if possible and you'll be more likely
to get a better deal.
- Check to see if any organizations you belong to offer any special
discounts. Sometimes large groups, associations, alumni's, etc. have
negotiated special rates with companies.
- Have a meeting with your agent and update your policy annually. Make
sure the maximum limits are sufficient, especially the replacement
- Inquire if there are any special government backed insurance plans
that may be in affect in your area. Flood insurance along the coastal
areas are a good example.
RUTH BETHEM, ABR, CRS, GRI, Realtor®
Premier Sotheby's International Realty
4001 Tamiami Trail N, Suite #102
Naples, Florida 34103
Phone: 239-777-7007 or Toll Free 877-777-7545
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