1. Safeguard your home
Take action to make your home theft-resistant. "Case" your home as if you were a burglar.
Burglars look for easy targets - make sure your home isn't one of them.Install exterior lights that are out of reach and triggered by motion. Trim trees and shrubs near doors and windows.
Don't hide house keys outside - burglars know where to look.
Consider investing in a security system. Not only does this make your home safer, it can lower your home insurance premiums.
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Agents advise drivers to shop around with insurance changes coming - Quincy, but that individual drivers will have opportunities to save.
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When you're on vacation:
Have mail and newspapers picked up.
Leave blinds in normal positions.
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we strongly recommend that you shop around for low-cost home insurance Some homeowners look to save money on insurance premiums by opting for a
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Arrange to have your lawn mowed or your driveway shoveled.
Tell police and neighbors that you will be away and ask them to watch your home.
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This will save you money on your home and auto insurance. discount on both. the percentage discounts vary among companies, so it’s best to shop around.
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Read an article about 10 ways to save on your home insurance. Shop around. Check with several different home insurance companies to get rate quotes (an
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2. Be a responsible dog owner
The numbers speak for themselves: According to the Center for Disease Control and Prevention, 40% of Americans homes have a dog. There are 4 million dog bites per year, and dog bites create 33% of all homeowners liability claims - resulting in more than $1 billion in claims per year. Consider these tips to avoid having a claim brought against you:
Pick a dog breed that's covered by your home insurance. Ask your insurance agent for details.
Have your dog spayed or neutered.
Train your dog.
Keep your dog on a leash when walking.
3. Protect your home business
Home businesses are generally not covered under your home insurance policy. You may have only limited property coverage and no liability coverage for your business under your homeowners policy. Research the coverage that you have for property and equipment damage or theft, loss of income, and general liability for customer and supplier injuries.
4. Cover your domestic help
Check with your state Department of Insurance regarding whether you need a workers' compensation policy for your housekeeper, gardener, nanny, cook, or other domestic employees. In addition, if someone else occasionally runs errands for you and drives your car, have that driver listed on your auto insurance. Confirm that you have adequate liability and medical coverage on your home insurance policy. Consider purchasing a personal umbrella policy.
5. Review your coverage annually
Your home insurance should reflect your home's current value, condition and improvements. Check your policy each year and review your specific coverages so that you will be able to make the necessary adjustments to fully protect your home.
Matt McWilliams is one of the co-founders of HometownQuotes.Com, an online insurance quotes web site. He is originally from Pinebluff, NC and attended Middle Tennessee State University. He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance. For more information visit http://www.hometownquotes.com
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Shop Around and Save on Home Insurance