Home Owners Insurance

Do you have the right coverage? Are you paying too much for insurance? Your house is your home which includes your family and their health and happiness. are you covered for contents?  Your furnishings, your tools, your family car or your weekend toys? What happens if we endure a weather related tragedy or a homeowner error causing loss. All this can be taken care of ahead of time. Remember, you can never predict but you can always prepare. Checking yearly and comparing quotes can save you money.

Another way to save money is yearly maintenance. Keep up with conditions and you will save money. Keep your Wind Mitigation Verification reports up to date for qualifying discounts. Older homes over 25 years will need to maintain the 4 major components in order to insure their homes, a yearly 4 point insurance report can provide you and your agent with the condition and age of your Roof, HVAC (Heating, Ventilation, Air Conditioning), Electrical and Plumbing components. Your homes roof should be checked yearly to ensure for weather tightness.

If you have had any work or remodeling done and used proper permits, you may be eligible for discounts. Have you recently purchased new furniture, computer equipment?

It is important to keep in mind that insurers have made major changes to what risks are covered and the costs required to insure against them. The costs of rebuilding your home typically increase from year to year. The amount of homeowner’s insurance coverage you have now may not cover the cost to rebuild your home at today’s prices.If you haven’t updated your coverage recently, you could be under insured.

Keep in mind, protect your investment.Only you can assure your home will maintain it’s integrity and value. Stay on top of maintenance and check to make sure you protect you and your family. Need help, Just ask.

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Author: abetterchoicehomeinspection

Hello and Welcome, I'm Wayne Cerra, Owner and Inspector of A Better Choice Home Inspection. I started my Career in 1986 as a part time Inspector in Massachusetts. By 1996 I had Incorporated into Total Exposure Home Inspection serving Greater Boston area where I have inspected over 5,000 residential properties. In 2008 I relocated to Cape Coral, Florida where I operate A Better Choice Home Inspection and have inspected over 2,000 residential inspections and 2,500 Insurance Inspections. Accurate, dependable and honest reporting without all the fluff. My Inspection practices are geared towards todays needs. Maintenance and repairs are discussed. I work solely for the Consumer with their best interests in mind. Education is key. I work hard to make sure I stay up with the latest building trends and continue to better myself with the Client in mind. I have worked in every aspect of the residential building process as well as educated on all environmental challenges associated with structures and the building envelope. My focus today is older homes that require more maintenance with so many older homes in Lee County. I am available to provide your inspection needs for a first time buyer or a seasoned Investor, I provide a detailed report with photos and explanations e-mailed to you by end of the business day. For Home Owners looking to renew or shop around, I can meet their inspection needs with scheduling your wind mitigation verification reports, four point inspections and/or a Roof Certification report. Call me, Wayne at 239-989-3349 to schedule your Inspection.

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