Insurance tips that give you peace of mind and save you money

Are you a homeowner looking for some hacks to help you save money and protect your home? 🤔

Here are ideas to ask your insurance agent about to get the most out of your home insurance:

1. Shop around for the best rates. Don’t just take the first offer you get, compare different companies and policies to get the best deal.

Make sure you have a list of specific items that you want covered.  Especially if they are unique. 

Inquire about different hazards that a relevant to your area.  ie, fire, wind, flood.   You may want to take out additional coverage. In some areas additional coverages may even be required.   Ask your insurance provider. 📝

2. Install safety devices and alarms. Smoke alarms and security systems might help lower your premiums. 🔒

3. Increase your deductible. For smaller claims, you might be able to save money by paying a higher deductible. Ask your insurance agent! 💰

4. Comb through your policy. Make sure you understand what your coverage includes and excludes. What type of policy is it?

An all-perils policy will have the highest coverage, but it will also cost more.
A named policy will only cover items that are specifically covered.
No matter what type you have, read the fine print and ask questions if you are unsure of your coverage. 🔍

5. If possible, use an insurance broker. Insurance agents can only sell you the products their company offers. An insurance broker will have access to a wider variety of policy and coverage options to suit your specific needs.

We hope these tips help you ask the right questions next time you are shopping for home insurance! 🤗