One of the best ways to lower your homeowner’s insurance premium is also one of the best ways to protect your home and family. Installing security systems, alarms, exterior lighting, among others is a safe investment.
As the housing market goes through its various cycles of ups and downs, it is a good idea to monitor these trends so you can adjust your homeowner's insurance to meet current values.
There are three common types of deductibles. A flat deductible refers to a fixed dollar amount, while percent deductibles are based on the amount of insurance coverage. A split deductible can use some combination of the two previous deductibles.
Your home is assessed when you apply for homeowners insurance, and problems are identified. Unsafe roofs or tree limbs may be slated for removal.
Among other things, a good credit history can lower payments on home insurance. Fewer claims on a previous homeowners insurance policy can also help keep premiums low.
If you own a mobile or manufactured home, HO-7 homeowner’s insurance policies are tailored specifically for them. They are similar to homeowner's policies for site-built homes with some variations.
If you make a lot of claims against your insurance in a certain time frame, your rate may go up. This is usually exempted if there is a storm that does damage to a whole neighborhood.
Winter is coming and we need to make sure we are prepared. Some things you can do for your home is Get coverings for outdoor faucets, make sure your insulation in the attic is up to code, make sure all pipes that are exposed to the elements are insulated.
Did you know that you can purchase homeowner's insurance for a condominium? If you own your condo and use it for residential purposes, you can receive what is known as an "HO-6" policy, which covers building structures and personal property.
Make sure to have a drip pan under your water heater to catch any overflow. Your HVAC system should also have a drip pan to collect any condensation.
Winter is coming and we need to make sure we are prepared. Some things you can do for your home is Get coverings for outdoor faucets, make sure your insulation in the attic is up to code, make sure all pipes that are exposed to the elements are insulated.
Take pictures of your home before you move in, immediately after taking up residence, and whenever you make changes to it. Keep the pictures safely stored so they can be accessed when filing a claim.
Winter is coming and we need to make sure we are prepared. Some things you can do for your home is Get coverings for outdoor faucets, make sure your insulation in the attic is up to code, make sure all pipes that are exposed to the elements are insulated.
Thank you to all that have served and are serving. A Big Thank you to all that gave the ultimate sacrifice. You will always be remembered!!
Celebrate The Colony
November 11, 2020 at 3:18 PM ·
Today we come together to celebrate, honor and say "Thank you" to the men and woman who have served our country!
We are truly the home of the free, because of the brave!
Like, share, and spread some good today!
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Winter is coming and we need to make sure we are prepared. Some things you can do for your home is Get coverings for outdoor faucets, make sure your insulation in the attic is up to code, make sure all pipes that are exposed to the elements are insulated.
