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Peace of mind policy: How to improve and save on homeowner’s insurance

Peace of mind policy: How to improve and save on homeowner’s insurance

Peace of mind policy: How to improve and save on homeowner’s insurance
News from nwitimes.com:

It’s impossible to plan for the unexpected. But as a homeowner, the closest you can get is to purchase adequate homeowner’s insurance that covers your property in the event of an injury, fire theft or other disaster.

While mortgage lenders typically require borrowers to maintain sufficient hazard insurance coverage on their properties, homeowners often can get complacent with their longstanding policies in place and don’t investigate the potential for savings they may be eligible for, experts say.

“Without asking questions and shopping around, how can we really know if we have secured the most comprehensive coverage at the absolute rock bottom price?” asks Frank N. Darras, founding partner at DarrasLaw in Ontario, California, who recommends inquiring about discounts with your current carrier and comparing plans offered by competing insurers. Other ways to possibly earn a discount, according to Darras, include:

• Living close to a fire station or fire hydrant

• Recently replacing or upgrading your electrical system, plumbing, or roofing

• Installing deadbolt locks on all exterior doors and motion-detector security lights around the property’s perimeter

• Clearing away overgrown foliage from your property line and trimming trees

• Being retired and/or present at home more often to reduce the risk of burgl…………… continues on nwitimes.com

… Read the full article


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