Call Us 216-252-0100 ☰ ˟
Logo
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Get A Quote
    • Our Providers
    • Blog
    • Contact UsImage of right arrow
      • Main Office
      • Akron Office
      • Bellaire Office
      • Cleveland Office
  • Products
    • Auto InsuranceImage of right arrow
      • Classic Car
      • Medical Payments Coverage
      • Minor Violation Forgiveness
      • Personal Injury Protection
      • Rental Reimbursement
      • Uninsured & Underinsured Motorist
    • Home InsuranceImage of right arrow
      • Homeowners Liability
      • Landlords Insurance
      • Scheduled Property Insurance
    • Life InsuranceImage of right arrow
      • Disability Insurance
      • Group Life Insurance
      • Individual Life Insurance
      • Long Term Care
      • Mortgage Protection
      • Second-To-Die Policy
    • Powersports VehicleImage of right arrow
      • ATV Insurance
      • Boat Insurance
      • Motorcycle Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • Annuities
      • Traditional & Roth IRAs
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • HVAC Contractors Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Rideshare Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
  • Contact Us
    • Main Office
    • Akron Office
    • Bellaire Office
    • Cleveland Office
    • Locations & Hours
    • Get A Quote
  • Blog
  • Referral Program
Icon Auto Icon Home
Icon Business & Commercial
Icon Life & Health
Icon Recreational Vehicle Icon Motorcycle
Home > Blog > TEST
TUESDAY, JANUARY 12, 2021

TEST

Save Money on Homeowners Insurance

 

There is no place in the world more important than home, so of course you protect it with homeowners insurance.  Here are some tips to help you acquire the policy that best suits your needs while maintaining a premium that best fits your budget.

 

·         Minimize Risks

o   Make home improvements that will minimize risks such as floods, fires, and break-ins.  A carrier may offer lower premium payments for homes that are lower risks for potential claims.  Talk to your agent about cost-saving opportunities that may be available by the installation of new roofing, plumbing, or electrical and alarm systems.  Even seemingly small items may help lower your premiums such as installing more smoke detectors, fire extinguishers, or even things like deadbolts, window locks, and storm shutters.

o   Your liability insurance may increase if there are other risk factors in your home or on your property, such as if the home is older or has multiple stories, and if you own a pool.  Having a dog may also increase your premiums since dog bites account for 1/3 of all liability claims.

·         Coverage Should Not Exceed Property Value

o   Make certain your insurance coverage on things like personal possessions or structures not connected to your home does not exceed their actual value.

·         Higher Deductible

o   Choose a deductible no higher than what you may need in case of an incident.  Raising your deductible may reduce your premiums and prevent your rates from increasing.

·         File Claims Only When Necessary

o   Avoid filing claims for issues that are insignificant or affordable out of pocket.  The less claims you file, the more likely a carrier will be to offer you a discount.

·         Other Available Discounts

o   Discounts may be available by bundling policies with the same company and maintaining good credit scores.  You might also consider making payments electronically and in 6 month increments instead of monthly.  Even small details may provide sources of discounts, such as if the residents of the home are non-smokers, so be sure to speak to your agent about the money saving possibilities.

Posted 12:22 AM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021


View Mobile Version
Insure your needs today!
Social
Quick Links
Home
Get A Quote
About Us
Our Carriers
Partners
Blog
Contact Us
Main Office 5530 State Rd, Unit 1
Parma, OH 44134
Powered by Insurance Website Builder