Selecting the Right Home Insurance

insurance around – Ask friends, check online, or look into getting an insurance broker to find the best deals for you. Check consumer guides, companies and online insurance quote services. Check the financial stability of the company you are considering.

• Buy your home and auto insurance from the same insurer – if you buy insurance from the same company, they will often take up to 15% off your premium

• Raise your deductible – the higher your deductible, the more money you can save on your premiums. Depending on your geographical region, your insurer can assist you in this process.

• Prepare your home for disaster – Find out from your insurance provider what you can do to make your home more disaster proof. You may be able to decrease your insurance premiums by adding storm shutters or buying stronger roofing materials, for example.

• Find ways to improve your home security – you can decrease the amount of your home premiums by adding simple things to your home like a smoke detector, alarm, or locks. Make sure you ask your service provider how to cut costs by installing simple items

• Always maintain a good credit rating

• If at all possible, stay with the same insurer – if you’ve kept your coverage with the same provider for several years, you may quality for a special long-term policy holder qualification

• Always take the time to review your insurance policy to