Oct 252017
 

When it comes to owning a home, it’s always better to be safe, rather than sorry. This is why it’s so important that you have a solid insurance policy on your house. In this article, you will find out some great tips that will allow you to save money, without sacrificing on the quality of your coverage.

There are aspects of any home that will impact insurance prices, no matter how perfectly kept the property is. For example, a swimming pool in your property is considered higher risk, and therefore, will raise your insurance premiums. Your premiums will also depend on the distance between your home and emergency services. Different things will determine the price you pay for insurance, and this is certainly not the only consideration when choosing which home to buy.

TIP! Detailed text and photographic documentation makes it easier to file claims for high-priced items. While this might require a bit of work on your behalf, the insurance company will need this information to provide an appropriate compensation value for any destroyed, stolen, or missing items.

Get an estimate of damages to your home prior to filing a claim on your home owners insurance. If it is not going to cost you much more than the deductible to repair, do not file the claim. Each claim that you file will cause your premium to increase for the year.

Document all of your valuables and keep the pictures or videos of the things that you want covered under your home insurance, in a fireproof lockbox. This will protect your files and make filing a claim for the missing or destroyed items with your home insurance company, easier and quicker.

If you have fire insurance and a fire occurs in your home, damage to your landscaping is usually covered. Many people do not know this and end up having to pay their landscape damages themselves. However, most insurance companies will not pay more than 500 dollars per tree or shrub.

TIP! Before you talk to your claims representative, get some estimates on your damages. Be sure to have all paper documents and receipts on hand.

Finding the best insurance, without having to give up on quality features, is a win-win for every homeowner out there. Make sure you pay attention to these tips and use them if you hope to find the best possible coverage for your home. Remember that you should never be without insurance.

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