Things to Consider...
Reconsidering Deductibles
Many folks will tell you that if the amount of damage to their home or auto isn't all that much, they would never contact their insurance carrier. Some do this to avoid the hassle of a claim. Some do it thinking it will prevent a hike in their premium. Whatever the reason, if you are willing to cover a greater amount than your deductible, why not raise the deductible?
Raising a deductible to the level you can afford with comfort is a win-win! The insurance company now knows you won't be calling them for smaller claims, and you get to pocket the premium savings from choosing a higher deductible option. If this describes your situation, speak with one of our coverage professionals about your higher deductible options and resulting savings.
Your Home Is Your Castle
There it is the fruit of your weekend labor. Your home eats up a lot of your time and money, but the repairs and improvements are worth all the effort once you actually get to enjoy them.
Chances are good that the work you've done has also improved the value of your property. A new kitchen, an upgraded bathroom, an addition and even smaller changes like high-end flooring, can warrant a call or note to your insurer to make sure that the improvement is covered under your insurance policy.
Outdoor improvements aren't always included in your property coverage, so if you have expensive outdoor features or landscaping, you should give us a call so that we can discuss how coverage applies under your policy and what coverage enhancements might be available. As an example, while coverage varies by insurer, most insurers don't provide much coverage for trees, shrubs or other plants. The time to call is now, before any damage occurs.
Dog Breeds Can Influence Insurance
If you own a dog, you need to read this. Most states allow insurers to charge homeowners higher premiums if they own a certain breed of dog.
Insurance companies might even be permitted to deny insurance altogether or not renew an existing policy based on the breed or its classification as "dangerous."
If you have a dog, it is important to read your homeowners policy to make sure you aren't in violation of it. If your dog's breed is excluded from the liability portion of your policy, you might have to purchase a separate liability policy to cover any injuries or damage your dog might cause. Keep in mind that your insurance policy changes over time. If you don't regularly read the updates your company sends to you, you might have a dog restriction that you don't know about.
Typical restricted breeds include pit bulls, chows, akitas, some terriers and rottweilers. This is not a complete list, and state restrictions may differ, so check with your state department of insurance if you have questions. Some insurers do offer coverage for these breeds, both on and off your property, so talk to one of our professionals if you have a dog that could affect your insurance.