homeowners insurance property insurance

homeowners insurance, property insurance, home insurance. information about your homeowners insurance policy.
1) When you ar buying a home, consider the cost of homeowners insurance. In many cases, a newer home may cost less to insure than an older home .You may pay less for homeowners insurance if you buy ah ouse close to a fire hydrant or in a community that has a professional fire department. If your electrical, heating, and plumbing systems are less than 10 years old, you may be able to reduce your homeowners insurance premium. In some situations the cost of insurance for a brick home may be less than the cost of insuring a frame/wooden home.
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2) Remember that flood insurance and earthquake insurance are not covered or a part of most homeowners insurance policies. If you purchase a home in a flood prone area you will need to purchase a separate flood policy. YOu may also want to consider adding earthquake coverage onto the policy by endorsement.
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3) Review the limist of your homeowners insurance policy and the value of your possessions at least once per year. Your want your property insurance policy to cover any major purchases or additions.
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4) Maintain a Good Credit Score,
Maintain a Good Credit Score. Establishing a solid credit history can reduce your total insurance costs. Many insurers now use the credit information to determine the price of homeowners insurance.
category: homeowners insurance.
5) Improve your home security.
Improve your home security. You may be able to obtain a lowered rate for the following items
smoke detectors, burglar alarms, monitored home alarms.
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6) The land under your house is not at risk of theft, windstorm or fire. So do not include the the value of land in deciding how much homeowners insurance to buy.
category: homeowners insurance
7) Raise your homeowners insurance deductible.
Raise your homeowners inurance deductible. The higher your deductible the more money you may save on homeowners insurance. Many insurance companies now recommend a deductible of at least $500......
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visit us online at Ky Homeowners Insurance
Dick Watts Insurance
12200 Shelbyville Rd #112, Louisville, KY 40243 (502) 245-3625
Homeowners Insurance
Home Insurance
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