Maximize Your Homeowners Insurance Benefits

By Compuquotes Team on March 27th, 2008
Homeowners Insurance

The first step to protect your family and home is selecting a reliable insurance company and policy that is suited to fit your needs. There are a few things you can take into consideration that will not only lower your costs but will also help you to maximize the benefits that your homeowners insurance policy has to offer.

It is okay to be confused with all of the different types of policies there are floating around the market today. Get out a pen and paper and make a detailed inventory that includes all of your personal belongings as well as their price, condition, and any receipts that you have would be extremely helpful in the event of a loss.

Now get online and search different homeowners insurance companies to get basic quotes that will cover your needs. The homeowners insurance industry is highly competitive which leaves us with lower rates and better customer service. If you are with a company and aren't satisfied with them then don't hesitate to start looking for another company that is more focused on customer satisfaction.

Many homeowners' insurance companies will send out one of their company's agents to complete an in home quote that will confirm all of your belongings in terms of their condition. If you own expensive jewelry or antiques you will want to get a professional estimate of their worth, as well as a separate policy that will cover the reimbursement costs.

Prior to getting a homeowners insurance policy there are a few things that you can do to lower the costs of your policy. You should do these steps if you are going to get an insurance policy, but even more if you aren't going to get one because you will need all the extra protection you can get. Make your home as safe as possible, purchase heavy dead bolts and install exterior lights that have motion sensors on them.

Also make sure all of the trees and bushes that are located outside your windows and doors are neatly trimmed so that they don't conceal intruders. Keep in mind that burglars look for homes that are easy targets, so do everything you can to make it more theft resistant. Never under any circumstance leave your keys outside your home because criminals know where to look. Many people leave their garage door opener in their vehicle, an easy way for a burglar to gain access to your home.

If you are going out of town make sure that you arrange for someone to pick up your mail and newspaper so that criminals won't be able to tell that you are out of town. Leave your blinds in a normal position, and also have your yard taken care of. Tell only your trusted neighbors that you are going out of town and ask them if they would keep an eye on your home.

The best thing you can do to lower your homeowners insurance costs and further protect your home and family is to invest in a home security system that is monitored constantly. These companies will respond to you in a matter of seconds if certain triggers are set off such as an intruder sensor or a smoke detector.

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