makes one homeowners policy less expensive than
another, when the houses are on the same block?
As with car insurance, there are many variables
that go into a home insurance quote.
of the house
of the house
for which the home is insured
business exposure? Home office?
and fire alarm
pool (Is it fenced?)
jewelry or furs?
Again, the various insurance companies have different
experience. One company may give a greater discount
for a burglar alarm system if they have had better
loss experience as a result of a central-station
burglar alarm. Some companies rate based on which
county you reside.
Others base it solely on zip code, regardless of
whether you are in the city or the county. What
is the rate to schedule jewelry separately on the
We know which companies give better rates in the
various counties. We know which ones give bigger
discounts than others for raising your deductible.
As with car insurance, our policyholders are driven
by price. However, what is important to one person
may be a minor issue to another. You need proper
limits and proper deductibles. Would you ever submit
a claim for under $1,000? If not, why are you paying
more for a $250 deductible?
Most mortgage companies escrow the homeowner’s
premium, which results in many people thinking they
cannot move their homeowner’s policy. This
is simply untrue. We communicate with your mortgage
company when you are contemplating a change in policies.
As long as the mortgage company is given the proper
information, they have no problem helping us, and
you, make a switch with your homeowners policy.
We will help you analyze everything and even make
a recommendation. The ultimate choice, however,
is always up to you.
Please call us for a quote. You are never obligated
to go with us just because we give you prices.