Adam and Associates Insurance Agency Blog
How can I save money on my home insurance
6/9/2010 3:38:59 PM
There
are several things you can do to save some money on your homeowner’s insurance policy. The most
important is to try and keep claims to a minimum, not saying do not file
a claim, but do the math. If you have a theft and you figure $600 in
property was stolen and you have a $500 deductable, is it in your best
interest to file a claim? Probably not, you will receive $100 from the
insurance company and in some instances loose a claims free discount you
may have. Or even worse, some insurers may cancel your policy for
filing a claim.
Another important money saving idea is to check if your current home insurance agent can quote and write your auto or motorcycle insurance. Most agents/companies offer up to 35% discount for insuring both home and vehicles. Not to mention only having one agent/company to call for a claim, which are fewer headaches for you?
The final suggestion in this edition is to review your coverage yearly and sit down with your agent to get a coverage check up. The first reason to do this is to make sure your home is adequately covered. Another important reason to speak with your agent annually is to add discounts, such as, home renovations etc. New air conditioning, new roof, updated electrical or plumbing. These discounts can add up!!!
Another important money saving idea is to check if your current home insurance agent can quote and write your auto or motorcycle insurance. Most agents/companies offer up to 35% discount for insuring both home and vehicles. Not to mention only having one agent/company to call for a claim, which are fewer headaches for you?
The final suggestion in this edition is to review your coverage yearly and sit down with your agent to get a coverage check up. The first reason to do this is to make sure your home is adequately covered. Another important reason to speak with your agent annually is to add discounts, such as, home renovations etc. New air conditioning, new roof, updated electrical or plumbing. These discounts can add up!!!
