Factor number seven is one of the easiest ways for you to lower your monthly premiums - adjusting your claims deductible. Your deductible is how much you must pay out of pocket per incident before the insurance company will start making payments. For example, if you have a $1,000 deductible on your jewelry rider, the [...]
The first five factors of the ten factors that affect insurance premiums are controllable but not as easily controllable as the the next few factors. This sixth factor is the amount and the scope of your homeowners or renters insurance policy coverage, obviously the greater the coverage the more expensive the premium. Be sure to [...]
There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The fifth of the ten factors is something that you have no control over, after you buy the house that is, and that is whether you are in a high risk area.
If you [...]
There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The fourth of the ten factors is something that you can absolutely control and that is whether you smoke.
Smoking is one of the leading causes of fires in the home, whether it’s someone [...]
There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The third of the ten factors is something that you can control, and that is how safe your home is.
I know that with my homeowner’s insurance from Travelers, I was given a discount [...]
There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The second of the ten factors is something that you can’t control, and that is how your home was constructed.
On the East coast, brick is the preferred method of construction because there aren’t [...]
There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The first of the ten factors is something that you can control, somewhat, and that is the condition your home is in.
Since your homeowner’s insurance will be covering many of the contents of [...]