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As the home insurance market continues to get more restrictive and insurance companies continue to increase premiums, we are frequently being asked what can be done to lower the cost of my home insurance. This is a difficult question that begins with a review of your current coverages. Click Here to request a no obligation policy review. It is important to find a balance between affordability and adequate coverage, but here are some options to consider when trying to lower the cost of your home insurance.
We started this article with the statement we recommend our clients buy adequate insurance for the risk they have. However, in some cases clients will tell us they cannot afford to pay the premiums and need to lower their insurance coverage. This is not something we recommend, but we are here to serve our clients so if requested we will look at the following for opportunities.
There are other coverage opportunities that include mold, fungi, bacteria, sewer backup and ordinance or law. We can work with you on each of these to see if there is an opportunity to lower your premium by adjusting one or all of these. We just did an article about ordinance or law coverage, Click Here to open that article If you are serious about looking for ways to lower your home insurance premium, we recommend you request an independent agent do a policy review. You can request one from us by Clicking Here. We begin by asking you to forward a copy of your current coverage page, also know as your declarations page, from your policy. We will then review the coverages you have and email you with questions. You can also call us at (954) 678-2658 or send us an email at service@justasktim.com.
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