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INSURING YOUR HOME
For most people, their home is the single biggest asset they have. Along with that comes a lot of
extra effort and money spent on the home, everything from mowing the lawn, general repairs to
paying property taxes. Home insurance is one of those essential bits that must be done to make
sure that the considerable investment you've made in is protected.
Choosing a home insurance package can seem like a basic task but not all agents and not all
insurance packages are created equal. There are certain things you should bear in mind when
considering insurance agencies and the kind of home insurance packages they propose.
Get Multiple Quotes
Don't settle for one quote from the insurance agency you have come across. Some insurance
agencies have a good reputation and a strong track record, but those qualities can sometimes
translate into the ability to charge more for their services. Often times, there is a middle ground
to be found where the trustworthiness of the company is still sound but maybe it's not the
biggest company on the block. Those types of companies can often propose good home
insurance deals. In addition, there are a vast number of independent insurance agents free to
offer you the best deal for your circumstances, no matter what company may have it.
Independent insurance agents only exist because of this advantage, so they are certainly worth
doing groundwork on.

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Pay for Small Claims
Think about the kind of circumstances that would ultimately require you to invoke your new
home insurance. Is it the small repair that needs to be done after a minor mishap or is it the
large scale repairs needed after a natural disaster? In many cases, you can get a concession on
your premiums by agreeing to front more of the money yourself for any claim. By deciding to
pay for small claims yourself without involving your insurance company, you can feel
comfortable choosing a higher-deductible plan that saves you on your regular premium.
Look for Discounts
Just as vehicle insurance companies will offer a discount to good drivers and students with
strong grades, home insurance companies sometimes offer discounts and deals for features like
security alarms and other safety-enhancing installations. Make sure you consider those
possibilities so that you can receive all of the discounts your home deserves. Certainly,
combining different types of insurances under one roof can also be a source of discount. Do not
be afraid to get quotes on what a combined vehicle insurance, home insurance, health insurance
and life insurance package, for example, may cost from various insurance providers. You can
always switch your coverage and more often than not the savings seen through combining types
of packages is significant.
Do Your Research
Researching home insurance can sometimes seem like a demanding job and comparing
packages that may have their own unique requirements can sometimes be tricky. However, by
collecting quotes from various agencies, you can get a good idea of the market for your home
insurance. After due diligence, choose the policy that offers you the best coverage at the most
reasonable price with suitable conditions. As with any stage of buying a home, make sure you
feel comfortable with what is offered and always feel free to consult your realtor if you want a
second opinion. Always do your groundwork and you are bound to have a policy that makes you
feel secure.