Tips to Consider Before Buying Home Insurance

Home Insurance Coverages in Houston

Homeowner policies shield you from losses due to theft, and fire or other damage to your home or personal property; it also provides accident liability coverage.

• Ensure you’re getting all the homeowner discounts you’re entitled to. In addition to senior discounts, many insurance companies offer homeowner policy reductions for deadbolts, fire extinguishers, sprinkler systems, smoke alarms and security systems that report to a central station.
• Raise your credit score. Believe it or not, because it is an indicator of personal responsibility, many insurance companies are now giving lower rates to homeowners with good credit histories.
• Keep your home well-maintained. For example, updating aging electrical and heating systems as needed can reduce the risk of fire. And following building codes when remodeling bathrooms and kitchens can reduce the risk of water damage and other plumbing related problems.

General Insurance Tips

• Comparison shop. Identical risks are often priced differently from insurer to insurer, so always shop around — thankfully, Internet shopping is relatively painless.
• Know what you’re buying. If you don’t understand certain benefits, terms, or conditions, always ask your insurance agent to explain them to you.
• Occasionally reevaluate your insurance needs. Review your insurance annually. Life-changing events such as the birth of a new child, divorce, retirement and income reductions usually call for coverage updates or additions.
• If you’ve got a lot of assets, consider getting an umbrella policy. An umbrella policy covers you beyond traditional policy liability limits.
• Raise your deductibles. Folks rarely make claims under $1000 because they’re rightly afraid it will raise their rates — so why pay a premium for lower deductibles if you aren’t going to take advantage of them?
• Ensure you’re taking advantage of every available insurance discount. In addition to the homeowner deals previously mentioned, many insurance companies offer discounts for safe driving discounts, being a good student, working “low-risk” occupations, and being a loyal customer.
• Combine coverage. Bundling two policies from the same customer can often result in insurers chopping premiums by as much as 20%.

Although everyone prays they’ll never have to use it, buying insurance is something that we all have to do as responsible adults. Hopefully these tips will make that task a lot easier and, more importantly, help ensure you’re properly covered if you ever do have to file a claim.

Source: lenpenzo

Home Insurance Coverages in Houston.

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