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Homeowner's Insurance Tips


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3 TYPES OF HOME INSURANCE

  • replacement cost (replaces property up to a set dollar amount)
  • guaranteed replacement cost (replaces property with no limit)
  • actual cash value (replacement value minus depreciation)

FINDING A GOOD INSURANCE COMPANY

  • excellent customer service
  • a good reputation
  • an excellent financial rating with AM Best or S&P
  • diligence in handling claims

SAVING MONEY

  • shop around -- quality service is as important as a competitive rate
  • raise your deductible
  • buy your home and auto policies from the same insurer
  • choose a newer home with better construction near a fire station
  • insure your house, not the land
  • improve home security and safety
  • stop smoking
  • seek out discounts for seniors
  • look for group coverage through alumni and business associations
  • stay with an insurer for at least 3 to 6 years
  • compare policy limits to value of your possessions once a year
  • in high-risk areas, use private insurance before a government plan

 


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