Ways to LOWER your home insurance cost

27 07 2017

6 Ways to Lower Your Home Insurance Cost

According to the Insurance Information Institute, the cost of homeowner’s insurance can vary by hundreds of dollars, depending on the company you buy from. Below are a handful of tips to save you money when buying homeowner’s insurance.

  1. Shop Around

Ask your friends, check the web or contact your state insurance department.

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The National Association of Insurance Commissioners (www.naic.org) has information to help choose an insurer in your state, and on registering complaints.

 

  1. Raise Your Deductible

The average homeowner makes an insurance claim once every nine years. If you raise your deductible on your homeowners’ insurance by $1,000, you only need to save about $120 a year in your premiums in order to create a net savings on average – and, likely, you’ll save a lot more than that

  1. Don’t confuse what you paid for your house with rebuilding costs

The land under your house isn’t at risk from theft, windstorm, fire and the other perils covered in your homeowners policy. So don’t include its value in deciding how much homeowners insurance to buy.

  1. Buy home and auto policies from the same insurer

Some companies will take 5 to 15 percent off your premium if you buy two or more policies from them. Just be sure the combined price is lower than buying separate coverage from different companies.

  1. Make your home more disaster resistant

You may save on premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. In addition, consider modernizing heating, plumbing and electrical systems to reduce the risk of fire and water damage.

  1. Improve home security

Does your insurer give discounts of at least 5 percent for a smoke detector, burglar alarm or dead-bolt locks? Some companies offer to cut premiums by up to 20 percent if you install a sprinkler system, or a fire/burglar alarm that rings at a central dispatch or monitoring station. Before you buy a system, however, find out what the insurer recommends, how much it would cost and how much you might save on premiums.





Want to BOOST your curb appeal?

27 07 2017

Projects to Boost Your Home’s Curb Appeal

Given the amount of time homeowners spend inside their homes, it’s no surprise that most remodeling dollars end up indoors. But neglecting your home’s exterior can leave it looking tired and rundown. Here are four projects that will boost your home’s curb appeal and ensure that the outside of your home looks as good as the inside.

1. Liven Up Your Landscaping

If you’re ready to spruce up your landscaping, you’ll want to do so when the temperatures are relatively cool. While you’re planning your project, be sure to take a look at the grade surrounding your home. Over time, it can become compacted and slope toward your house. Poor grading causes water to flow toward your home, putting your foundation at risk.

2. Touch It Up

If left untouched, your siding could start to rot, mold or warp. Thankfully, a little preventative maintenance can help you avoid any costly siding repairs. If you notice chipping or peeling paint, it’s time to break out the sandpaper, primer, paint and paintbrushes. Most of the time, painting is a project that you can accomplish in an afternoon. But, your project could involve more work than you have time for. If that’s the case, now is a good time to start talking to pros. Pro Tip: Pressure washing your home each spring removes dirt and can help prevent mold and mildew infestations.

3. Repair Your Roofing and Gutters

Missing shingles and sagging gutters do more than make your home look shoddy — they can cause seriously pricey problems. If you notice that your gutters are having trouble moving water away from your foundation, or if it’s been a while since you’ve had your roof inspected, it’s a good idea to have a roofing pro stop by for an inspection.

4. Fantastic Fencing

Has your fence seen better days? If so, taking the time to make repairs now could prevent you from having to replace your entire fence later down the road. In many cases, repairs are minor. Unless your fence is really worse for wear, you should be able to tackle the repairs in a weekend.