Homeowners Insurance
Homeowners insurance can be a onetime purchase for many families as they purchase it when they first bought their home and quickly forget about it until the bill comes in the mail a year later. Many times they don't receive a bill as it is paid through escrow. Unfortunately, they end up paying to much for insurance and don't realize they can obtain a free quote for homeowners insurance and save hundreds of dollars.
A lot has changed in the insurance market which has brought down prices. As you get older their are programs that you may qualify for now, that you were not able to qualify for at the time you first purchased insurance. This is a good reason to work with an independent agent like Integrity Now Insurance Brokers, Inc. [http://www.integritynowins.com]. They will make sure that you are not over paying for your insurance. In addition, they will provide package policies providing you with an free auto quote with the same carrier that includes discounts up to 20% or more. In addition they have the ability to re-quote your policy after a few years to check the markets to ensure you shouldn't be paying less.
It is also important to make sure your home is covered for the replacement cost of the home and not the actual cash value of your home. These two words sound the same but mean two completely different things. Actual Cash Value allows the insurance company to reduce the value of your home by calculating the cost to include any depreciation. Replacement cost coverage will replace your home at the full cost to replace your home with similar material with the factor of depreciation. However, it is important to note that you need to insure your property for the full amount or you could be subject to receiving less insurance then is outlined on your Declarations Page due to a co-insurance clause.
I highly recommend working with an independent agent like Integrity Now Insurance Brokers, to ensure you are not paying too much for insurance and to protect your family from coverage gaps that could exist in your current policy. Independent Agents represent you the customer and not the Insurance Company that are bring you to.
A lot has changed in the insurance market which has brought down prices. As you get older their are programs that you may qualify for now, that you were not able to qualify for at the time you first purchased insurance. This is a good reason to work with an independent agent like Integrity Now Insurance Brokers, Inc. [http://www.integritynowins.com]. They will make sure that you are not over paying for your insurance. In addition, they will provide package policies providing you with an free auto quote with the same carrier that includes discounts up to 20% or more. In addition they have the ability to re-quote your policy after a few years to check the markets to ensure you shouldn't be paying less.
It is also important to make sure your home is covered for the replacement cost of the home and not the actual cash value of your home. These two words sound the same but mean two completely different things. Actual Cash Value allows the insurance company to reduce the value of your home by calculating the cost to include any depreciation. Replacement cost coverage will replace your home at the full cost to replace your home with similar material with the factor of depreciation. However, it is important to note that you need to insure your property for the full amount or you could be subject to receiving less insurance then is outlined on your Declarations Page due to a co-insurance clause.
I highly recommend working with an independent agent like Integrity Now Insurance Brokers, to ensure you are not paying too much for insurance and to protect your family from coverage gaps that could exist in your current policy. Independent Agents represent you the customer and not the Insurance Company that are bring you to.
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