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5 Tips to save on your homeowners insurance
Wind Mitigation
New roof? Consider having a wind mitigation inspection completed on your home by a qualified professional. Wind Mitigation credits have saved our customers hundreds of dollars on their premium. The Wind Mitigation Inspection will consist of checking the building features of your home such as the roof to wall connection, secondary water resistance features, the roof geometry and whether you have bracing of gable end, protection of openings, doors, and roof covering and so on. A wind mitigation inspection generally costs about $60 to $85 to complete. Feel free to give us a call to discuss wind mitigation credits in more detail.
Deductible
Your loss has to exceed this amount before your insurance company will pay a claim. Slightly raising your deductible can significantly reduce your insurance costs. We can provide you with a few different option of deductibles to custom fit your needs.
Burglar & Fire Alarm monitoring
Do you have an alarm system that is centrally monitored by an alarm company, you’re in luck. Having a monitored alarm system can save you quite a bit on your premiums. You need to provide a “Certificate of Monitoring” with a date stamp showing you have current monitoring to your agent. Many alarm companies are accustomed to providing these certificates to you.
Actual Cash Value Vs. Replacement Cost
When you experience a loss your insurance company will use one of two methods in compensation. In a nutshell, actual cash value will compensate you for the loss at today’s market value and replacement cost will compensate you for cost of replacing the item. Replacement cost does cost more than actual cash value and one size does not fit all, consult with your agent for more details.
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