Have an apartment or a house? You naturally need home insurance. The challenge is most people get home insurance and then ignore it.

The thing is, as time goes by your living situation changes. You may acquire more things like jewelry or art. You may make improvements to your home. You might have added a home theater.

In any case, you need your insurance to keep pace with your personal situation and to ensure your property and things are sufficiently protected.

There’s no magic time to think about home insurance policy … so have a look at these tips on the best ways to get the most value in your home owners plan.

Manage Your Credit

Credit scores impact insurance costs in many situations. The better your credit, the lower your insurance costs. Maintaining a strong credit rating is in your favor.

Allow Us to Search For The Best Home Insurance Deals For You

As an independent insurance agency we offer insurance from a variety of carriers … one phone call to our team is all that’s required to have us spring into action and shop for fantastic rates among numerous insurance providers. We’ll save you time & stress in the process.

Examine Your Deductible

Talk with us about your insurance deductible. The key is to make certain your deductible is something you could manage to pay in case of a serious issue. For a claim on a residence, one general rule is to have the deductible be high enough that you don’t leverage your insurance for “simply anything” that fails with your house. Home insurance really should be reserved for urgent scenarios. The higher the deductible the more you can save … some premiums can be cut by up to 30 percent.

Look into Discounts

If you have two or even more insurance policies (car/ residence for example) with the same service provider, you could save up to 15% off the plans. Certainly give us a call to explore your options …

Ensure You Aren’t Over-Insured

Some people believe getting even more insurance than they need will give them some type of benefit. It will not. You need an adequate amount of protection to cover the cost of replacing your residence and also its valuables. As an example, if your home is of moderate construction, you won’t insure it to replace with luxury materials. Likewise, you also need to protect yourself from being under-insured as well. The key here is to have an candid conversation with our insurance team so that we could make certain you have the RIGHT insurance.

One Last Suggestion

Many carriers offer additional discounts when you have been with them at the very least 3 to 5 years … so keep that in mind as you examine your property owners policy. As always, remember we’re here to help you, so call us today to earn certain you are obtaining the greatest worth from your insurance.