Don’t Be Confused By Home Owner’s Insurance

Your Rochester, New York home inspection company, HomePro Inspections, is pleased to share with you helpful information about homeowner’s insurance.

homeowner's insurance as an example for rochester, new york homesMany people have home owner’s insurance but do not really understand the details of that means. This has become very common and is something that needs to be fixed. By reading the following article, you are not going to fall into that category. You are going to be given relevant information that will help you better understand your home insurance policy.

A lot of people that rent don’t think about getting renter’s insurance. While your landlord may cover the building, your belongings won’t be covered. You have to buy your own insurance policy to protect your things in case of flood, fire and theft.

As you compare rates and request quotes for homeowner’s insurance, don’t forget to include any information about security features in your home. You can cut premium price as much as 5% if you get a security system which alerts a security service offsite if there is a fire or burglary.

Having a home security system installed, especially one that has a monthly monitoring system against burglary, can seriously reduce a homeowners insurance premiums. The cost of your system can be partially recouped in the monthly or yearly savings you will make, and of course, you will have peace of mind. It can also mean that you will feel safer when you are at home.

You should always review your homeowner’s insurance policy annually to make sure that you still have the right policy for your home. Compare your premiums with quotes from other insurance policies. Be sure to take note of any changes that could affect your premiums, both on your property and in the neighborhood.

You may not think you need flood insurance if you live outside a high-risk flood area, but it may be a smart idea anyway. About one-quarter of the federal disaster claims made for flooding come from homes and residences outside of high-risk areas. Living in low or medium risk areas means big discounts on flood insurance.

An alarm system can help lower your premium. Insurers want to know they’re insuring people who care about safety. After you put in something like this, let the company know so that your policy rate can be adjusted accordingly.

As stated at the beginning of this article, many homeowners do not understand what their home insurance policy is really about. The information given to you in the above article will help you get a better understanding to what the details of your home insurance mean for you and your family.

george cline rochester, new york home inspector and owner of homepro inspectionsGeorge Cline is President of HomePro Inspections which he founded in 1991. George is a  NYS licensed professional engineer, a NYS Certified Radon Measurement Provider, and a NYS approved Technical Instructor for continuing education. In addition to full home and commercial property inspections, George consults with home and building owners on specific concerns such as wet basements, structural issues, roofing problems, heating and cooling systems, ice damming and attic ventilation problems. He has trained several home inspectors in the field and is a certified member of the American Society of Home Inspectors (ASHI). Give George and his Team a call to schedule your Rochester, New York Home Inspection at 585-670-6323 or schedule your inspection Online at http://www.rochesterhomepro.com/blog/schedule-now/

About RochesterHomePro

HomePro Inspections has been providing quality Rochester Home and Commercial Property Inspections since 1991. We are a full service Inspection Company performing Whole House Inspections, Partial and New Construction Inspections, Pre-Listing Inspections, Commercial Inspections and Builder Warranty Inspections. We also provide Radon Testing, Termite Inspections and Chimney Inspections. We are your One-Stop Shop for Inspections!

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