When you’re a homeowner you need home insurance to protect your property and valuables. But did you know that there are ways to reduce your premiums and ensure your claims are paid? Learn these strategies to keep your property values up and your insurance premiums down.
Insurers price homeowner premiums according to the possible risks they see during a property inspection. Therefore, you should consider preventative measures in your home, including:
- Burglar alarms
- Smoke detectors
- Pool cover
- Fence around a pool
These measures will protect your home and family, as well as help you lower your insurance premiums.
In addition to preventative measures, regular upkeep also can help you with your insurance premiums. Show your insurance company that you perform regular maintenance on your home, such as:
- Trimming branches on trees
- Repairing leaking pipes
- Roof repair
- A/C maintenance
- Furnace maintenance
If your insurance company sees less chance of a tree branch falling on your home, a pipe rupturing or your roof leaking and damaging your home they will offer you better rates on your insurance.
Get Your Claims Paid
Sometimes valid claims aren’t paid because home owners don’t keep accurate records. You should keep track of all important papers, including:
- Phone conservations
The more detailed you are in your record keeping, the better your chances of having your insurer paying your claims. Accidents happen – it’s why homeowner’s insurance is so important. However, preventive measures, proper maintenance and record keeping will reduce the likelihood of accidents occurring in your home and the magnitude of claims paid if they do. To learn how you can determine the best homeowner’s policy to suit your needs, contact the experts at Leverity.