With the often-harsh weather that comes with the winter months there are exposures that can result in damage to your beautiful home. Anyone owning his or her own home understands the importance of having home insurance in ct for times such as these. While some things are out of your control there are things that every homeowner should do to protect their property.
Most insurance experts say that one of the most difficult parts of the claims process is the necessity to have to recall any lost or stolen items. You should catalog all of your belongings, including receipts, with video and/or photos. Keep copies of vital documents in a safe place, such as a fireproof safe, a bank safe deposit box, or with someone you trust.
Compare pricing on coverage
Every four or five years you should shop for insurance, including deductibles, policy limits, and riders to see if you can save on your current coverage. Speak with an independent agent for details about the easiest way to go about doing this. If the current insurer’s rates are competitive, there might be significant savings by staying put as many companies give a discount to their customers who remain loyal.
Raising your deductible can reduce premiums
Going from $500 to $1,000 dollars on your deductible can translate to savings of up to 25% on the overall premium. It can also pay dividends if you clean up a poor credit report (realize that an insurer viewing a mistake on your report could possibly even deny you coverage). Doing so has helped many homeowners avoid paying increased amounts on policies.
Maintain and upgrade your house
Fire and smoke detectors, burglar alarms, and dead-bolt locks can also help save on the monthly premium. In storm-prone areas, insurers appreciate it when homeowners add hurricane shutters and shatterproof windows.
Avoid filing claims for a small or insignificant amount above the deductible when you can do the repairs yourself, as this can cause you to experience a premium increase. Home insurance in ct provides much needed protection, and your insurance needs can certainly change with any additions you make to your home, so speak to a qualified agent today about questions or concerns that you may have.