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.