You may know that the type of materials your home is made of can affect your insurance premiums, but did you know that your roof also makes a difference in your rates? The type of roof you choose for your home can determine how likely you are to need to file a claim to replace or repair it in the coming years, because some types of roofing materials are much more durable than others.
An impact-resistant roof is one that is better suited for withstanding impact from falling debris and extreme weather conditions than other types of roofing materials. Metal roofing is the preferred roof of insurers, and installing a metal roof on your own home with likely reduce your insurance premiums significantly. However, metal roofing is also the most expensive roofing material and may not be feasible for your budget – especially if you do not plan to live in your home for a long period of time. In that case, you may want to opt for a class four asphalt shingle, which is sturdier than other shingles, but not as expensive as metal roofing.
Ultimately, the type of roofing you choose for your home is up to you. Although there are definite benefits to choosing impact-resistant materials, choosing a traditional composite material will not make your premiums skyrocket – you just may not qualify for certain discounts.
As your family grow, a tailored home insurance for home owners will be a custom fit. You will have different needs at every stage of life with demands that will bring the future growth spurts to your doorstep. You will probably have a bigger family and more valuables as you get older. First time homeowners who may live in a similar dwelling will have different needs and expectations.
Tailored home insurance packages can be professionally fit together with you in mind. If you keep kids in the home, your policy can include the liability coverage. This will work in case something happened while children where in your care. Is your home in a flood zone? You may want to be covered in an area that is known for tornadoes. Add the coverage to the policy that is needed to protect your home.
You may have valuables that need to be protected against fire and theft. This is why a tailored home insurance package is a great asset for home owners. The one size fits all policy does not always efficiently meet the needs of the holder. Protect your assets with the right coverage to meet every need that may arise.
Let a trusted insurance agent show you how to custom your home owners insurance to meet your growing family needs. Contact us today for a free quote
Experienced landlords are acutely aware of the importance of landlord insurance–particularly those who suffered losses in the past. Newbie property owners in their early ventures into renting homes or condos to others may still be unconvinced of the absolute need for this coverage. Save yourself from an expensive reality check.
Regardless of the assets or wealth of your renters, you must protect yourself with adequate landlord insurance. Your tenants, regardless of the health of their cash balances, only need to insure their personal property when renting. The responsibility to protect the home/condo and the safety of visitors sits directly in the landlord’s lap.
Here is a simple, yet all-to-common example to illustrate the dangers landlord’s face. Your tenants invite a few people over for dinner and to watch a ball game. It rains, sleets or snows before they arrive. As they walk up to the home or condo, one of the guests slips, falls and breaks an important part of their body. Guess who is typically liable for medical costs, loss of income and psychological trauma? You, as the owner of the real estate.
Similar events are actually more common than the other hazards (fire, lightening, water, wind damage, etc.) that you should always protect against. Unfortunately, liability awards can sometimes vastly exceed the claim payments for serious physical damage to your home or condo.
Protect your assets. Shop for the best coverage and prices from an independent agent with an interactive website that allows you to get multiple quotes from different insurance companies. You–and your bank balance–will be very happy you took the short time to get multiple landlord insurance quotes from a trusted independent agent.
Everyone wants to save on their automobile coverage. Know what insurance providers look for in drivers when you want the best bang for the buck. Teenagers lack of experience cause them pay a higher rate than most other people. Girls are seen as a smaller risk than boys who drive. Take a defensive driving course that will show you how to drive like a professional. Practice maturity and develop trust in the drivers seat and you will qualify for a "wheel of a deal." A high GPA influences an insurance rating. Staying in schools reveals that a student is dependable and determined. Following the rules are what carriers look for in drivers.
Stay in the lane and keep the police from pulling you over to the side. Insurance providers look at the number of speeding tickets a person has over a period of time. Be safe and practice watching out for the other person to prevent a collision. Understand what insurance providers look for in drivers. The kind of car you drive will be a factor that will determine your premium. A good credit rating will give you a little purchasing power. These are a few of the things insurance providers look for in drivers. You can contact us for answers to your questions and to get a free insurance quote!