Protect Your Home and Your Wallet
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If you own or plan to purchase a home, then you
know that insurance is not just a luxury, it’s a requirement. While you should not skimp on certain
coverage items, there are some steps you can take to reduce your overall
premium.
If you have a security system installed (and
operating!), you might lower your premium by 5% or more. You'll just need to provide your insurer with
a copy of your contract or latest statement.
Also, while newer homes have smoke alarms already installed, hooking
them up in an older home might also reduce your premium by as much as 10%.
Just like health or auto insurance, if you increase
your deductible on homeowners insurance, you'll reduce your premium. Just be sure you're prepared to pocket smaller
repairs like broken windows or damages from leaks.
If your policy is held by a company that also
offers auto or health insurance, look into discounts for multiple
policies. You could save a percentage on
both your homeowners and auto policies, for example.
Another money (and time and stress) saver is to
document everything in your home with a photographic inventory. Store photos, cds or videos in a fireproof
box or, preferably, a safe deposit box off site. This will reduce the time and effort required
to complete a claim, and guarantee an accurate replacement payment.
Understanding
real estate dilemmas and their solutions is our business, and we’ll happily
share our knowledge with you. Why not
give us a call at (772) 323-6996 or visit us on the web at www.GabeSanders.com and www.TreasureCoastFLHomes.com.
Our office is located at 2 N.
Sewalls Point Rd. in Stuart, Florida
(Sewall’s Point); please ask for Gabe Sanders or Susan Maxwell.