2 Smart Ways To Ensure That Your Home Insurance Premium Is Reasonable

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Insurance 101: Tips and Tricks to Choosing the Right Policy

Since my parents always added me to their auto insurance policy when I was a teenager, I never learned how to make educated insurance policy decisions. When I moved out of my parents house at the age of 25 and it was time to get my own policy, I was overwhelmed with all of the decisions I had to make. Thankfully, my parents were eager to teach me what each insurance coverage option meant and what the best choices were for me. I learned a lot about insurance during this experience, and I am eager to share what I learned with others on my new blog. I also plan to include many tips on choosing health and homeowners insurance policies, so check back often if you want to learn a little more about insurance!


2 Smart Ways To Ensure That Your Home Insurance Premium Is Reasonable

11 February 2018
 Categories: Insurance, Blog

If you just purchased a new home, you are going to want to purchase home insurance to protect the investment that you just made. When you are already paying a mortgage, you don't want to be paying an overwhelming high home insurance premium as well. Make sure that your home is secure and install a material that will make your home stronger.

#1 Make Sure Your Home is Secure

One way to lower your deductible is by taking steps to make sure that your home is secure. Taking measures to keep your home secure can help lower your deductible.

First, make sure that you have smoke alarms installed throughout the house. You should have a smoke alarm outside of each bedroom, in the kitchen, and on each level in your new home.

Second, if your home uses gas, make sure that carbon monoxide alarms are installed. These should be installed anywhere gas enters your home, such as your kitchen or near your heating system.

Third, make sure that all exterior doors are equipped with a deadbolt lock. If they are not, your local locksmith can easily install a deadbolt on your exterior doors.

Forth, consider installing an alarm system. An alarm system that will notify authorities and include motion detectors on all of your doors is the best.

Each step that you take above should lower your home insurance premium. Be sure to let any insurance company you speak to know about the security measures that you have installed in your home.

#2 Make Sure That Your Home Is Strong

The second thing that you need to do is make sure that your home is strong. There are lots of ways that you can make your home strong.

To start with, you can install stainless steel doors on the exterior of your home. These are really strong doors that are hard to break through. Instead of your home, you can install fireproof doors, that keep out smoke, on all of your bedroom and bathroom doors.

You can make your windows stronger. You can install impact-resistant windows, or you can add storm shutters to your windows to protect them from damage when strong storms roll into town.

If the heating, plumbing, or electrical systems are old, you can have them redone so that they are more modern.

Taking the time to focus on upgrades that will make your house stronger will not only protect your home but help you lower your insurance premium as well.

When you purchase a new home, make sure that you take steps to make your home secure and strong. Doing these two things will help you keep your insurance premiums within a reasonable range for a long time to come. Just be sure to let your insurance agent know about the steps you have taken to make your home strong and secure. 

Contact a company like Bishop Insurance Agency for more information and assistance.