9 Ways You Can Save On Your House Insurance

• Raise your deductible. Your "deductible" is the amount you pay when you make a claim before your insurance "kicks in". In other words, if you have a $1,000 claim and a $300 deductible, you pay the first $300 and your insurance company pays the next $700.
• Verify that the amount of insurance for your dwelling is not too high. While it is necessary to carry an adequate amount, automatic increases at renewal may have resulted in you being over insured. Periodically have a new rebuilding cost worksheet completed by an insurance professional.

• Verify the need for the personal articles floaters on
  your policy. The “all risk” coverage provided by these riders may be more economically obtained by a more comprehensive policy wording.

• When you move, consider the cost of insurance.
  Yes, the cost of insurance varies from place to place, even right here in our community. When you're thinking of moving, give us a call and we'll tell you about possible differences in insurance costs.

• Improve the fire and burglary protection of your home.
  Some companies give discounts not only for alarm systems, but also for smoke detectors, dead bolt locks and fire extinguishers.

• Keep the company advised of improvements you do to your home. A new roof, updating of your furnace, plumbing or electrical wiring could save you money.

• Make sure your wood burning appliance is an approved unit. If you have a wood-burning unit in your home, provide your company with a copy of the manufacturers installation specifications as well as details as to the clearances of your unit.

• Keep your broker informed when you celebrate birthday’s of significance. Companies are beginning to allow mature discounts as early as 40 years of age. While your broker may have this information and will attempt to have the proper discount applied, make sure it hasn’t been missed.

• Check out other insurance company discounts. Companies are currently allowing discounts for having more than one policy with them, being mortgage free and for having a smoke free residence, in addition to being a claim free insured.

For a more detailed Consumer Friendly Consumer Report on 9 Ways To Save On Your House Insurance please click on Free Consumer Educational Reports link above or call 1-877-941-2266.