10 Ways You Can Save $
on Your Homeowners Insurance — And Provide Better Protection for Yourself and the People You Love!
Your home is probably your most valuable asset. It is also a huge risk for you financially. What if something happens to it? A fire? A flood? Vandalism? What if someone visiting you slips, falls and suffers a serious injury? And sues you? An accident like that could put a dent — or worse — in your financial security.
For most people, insurance is a mystery. They know they need to have insurance for their homes (mortgage lenders require it), but they don’t understand the coverage provided by the policy. And they don’t know which insurance companies offer the best — the best! — prices. Because they don’t understand the product, many people think insurance is a rip-off, and it is — if you pay too much or buy coverage you don’t need
All homeowners insurance is not created equal. In fact, almost none of it is. There are thousands of different products out there, from hundreds of insurance companies. How do you find the insurance and the insurance company that are best for you? You read this special report and tap into my vast knowledge of the products and the companies that offer them.
I am an insurance “insider.” I know what kind of insurance fits your needs. And I know what insurance companies sell this kind of insurance at the best — lowest! — price. Because I’ve specialized in the insurance needs of homeowners and their families, I have decided to dedicate myself to solving for you some of the mysteries of homeowners insurance.
10 Ways to Save $
Now that you know the basics of a homeowners insurance policy, here are 10 ways you can pay less. In many cases, you can get the same level of coverage for fewer dollars.
- One Insurer, Multiple Policies — Do you have an automobile insurance policy? If so, is it with the same insurance company that provides your homeowners insurance? If the answer’s no, you’re paying too much — for both policies. Almost every insurance company that sells homeowners insurance wants its policyholders to also buy auto insurance from that company. These insurers offer so-called multi-policy discounts. Usually, these discounts are at least 10% — and some insurers apply the discounts to both the auto and the homeowners/renters policy.
- Raise Your Deductible — The deductible is the amount you pay before insurance kicks in if you have a claim. For example, if you have a $250 deductible and you file a claim for $1,000 in damage to your home, you pay the first $250 and your insurer pays the balance, $750. The higher the deductible you choose, the more you pay. Also, though, the higher deductible, the less you have to pay for your policy. Depending on the insurance company, you can save between 12% and 37% if you have a deductible of $500 to $5,000.
- For the rest of the top 10 ways contact us for a free special report. We would be thrilled to share.
We have all heard the familiar up sell at fast food counters, “would you like fries with that?” Whether you intended to get fries or not, the real drive behind the question is revenue for the added item. Today many companies are “bundling products” for competitive reasons and in most cases, the decision has great advantages to the consumer. When it comes to personal insurance in Florida, finding a company that bundles home and auto coverage in one policy is challenging. With many of the larger insurers limiting capacity for homeowner insurance policies, homeowners are forced to find coverage with carriers that may not offer auto insurance. The advantage can be lower premiums, but the disadvantage can mean two different carriers protecting your Home and Auto.
For the family that still prefers One Company, One policy, and One contact, we at Gilliland Insurance Group have an option for you, AAA Insurance. AAA Insurance offers the first and only combined home and auto insurance policy whose forms and rates have been approved by the Florida Office of Insurance Regulation. Call us for a complimentary quote.