Homeowners insurance is one of the most intricate subjects to be dealt with. Sometimes it takes months, maybe even a year to finally issue a policy. People constantly ignoring phone calls from the agent, or suddenly ‘having trouble with their fax machines’ are some of the many ways we can avoid making a commitment. Well I am here to tell everyone please, Do Not Worry. Are you ready for the reason why people are hesitant? Want to know what frightens homeowners so deeply?

It’s the fact that we’re all absolutely blind to the subject. If you are not an agent, or have no friend who works for an insurance company, how are you going to truly know about your policy? My advice would be to speak with a broker or an agent that can sit down with you and get you the best rate possible. Although it may seem like a policy can grab you by the neck and take control of your life, the right thing to do is make sure you are covered. Better yet covered and satisfied with your premium; knowing that it is the lowest it can possibly be. The best way to do that is:

Remember, it’s YOUR policy… That’s right, if you signed the policy it is yours and only yours. You are responsible to know what kind of coverage you are getting, if it is the best rate around, and knowing how much you pay and when you pay it; depending on the agency you may go with. The degree of coverage can often be thoroughly looked into in order to satisfy the insured with a lower premium. There are so many ways of tweaking your coverage that can save you tons! Like did you know if you install better security devices in your home you can get a lower rate? It’s seems to me like it’s a win-win situation. Not only are you protecting your family from harm but get a discount on the back end of it.

Know about your home… Make sure you know the ins and outs of your own home. Some people have someone like a contractor come out to their house and get an estimate on how much it is or even could be worth. It is always a smart idea to have everything down on your end of the table, that way you are always ready to answer any question your agent might need the answer to.

Loyalty always pays well… If you continue to stay with your insurance company there are many things they can reward you with, should it come immediately or later on down the road. Even starting out with having all of your coverage with the same agency can lower the rate right away. Say you have renters insurance, homeowner’s, and two auto policies all with different companies. Since you only have the bare minimum of one policy with every company you’re in contact with. They will continue to only give you the bare minimum of coverage. Rather, go through one agency and receive multiple discounts with even just having a home and auto to start out with. Having said that, make sure you went with the right agency or company. Shopping around is the ideal way to find the company you will most likely build a business relationship with. Once you’ve found the right agency you’ll know it, and from then on you will be covered to the max potential. Receiving all of the accolades and benefits a trustworthy and loyal client should receive.

This is filed under Home Insurance.


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