2 Methods For Lowering Your Homeowners Insurance Rates

Posted by on May 17, 2016 in Uncategorized

One of the most important types of insurance that you can purchase is homeowners insurance, mostly because this type of insurance can help you recover from a burglary, natural disaster, accidents, or vandalism. In some cases, homeowners insurance can pay to entirely rebuild a destroyed home and provide you with money to use to rent a place to stay while your home is repaired or rebuilt. Listed below are two methods that can help you lower the rates on a homeowners insurance policy. Install Security Systems When a home insurance company determines your rates they will be trying to figure out how much of a risk your home is in terms of a break-in or vandalism. This is because the higher the risk of break-ins or vandalism the greater the chances are that you will have to file a claim for repairs and stolen property, which will cost your insurance company quite a bit of money. In the end, this will result in higher rates on your policy if you live in a neighborhood that is considered high risk. However, one way to lower your insurance rates is by minimizing the risk to your home by installing a security system. A security system can vastly reduce the chances that your home will be broken into as the system makes your home a less inviting target for thieves and vandals. In some cases, simply seeing a sign that you have a security system in place is enough to send a potential intruder in search of a much easier target.  Strengthen Your Doors Another way to minimize the risk to your home and lower your insurance rates is to make the front and back doors to your home as strong as possible. This is helpful because many doors do not actually pose a big obstacle to a burglar, so replacing them with more sturdy options can reduce the chances of the burglar getting into the house. One easy way to strengthen your front and back doors is by replacing the door jamb with metal pieces and stronger fixtures. In addition, using longer screws when installing the strike plate and door jamb will make your door much harder to kick in. With these modifications made, you can then contact your insurance agent and describe the modifications, at which point the insurance agent may be able to offer you a discounted homeowners insurance policy. Contact your insurance agent today, like those at Harris Insurance Services, in order to discuss the many ways in which you can reduce your homeowners insurance rates. Securing your home and making it less likely to be robbed or broken into by installing security systems and strengthening your doors are great ways to qualify for better insurance...

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Steps To Becoming A Successful Insurance Agent

Posted by on Apr 18, 2016 in Uncategorized

Since most individuals and families purchase insurance policies to protect themselves and their belongings, it is an excellent field to get into. Becoming an insurance agent isn’t as hard as you might think, as long as you follow a few simple steps. Before long, you’ll experience success in a career that is truly satisfying.  Get an Education In order to sell insurance, you’ll need a high school diploma. Although a college degree isn’t a requirement in this field, there are a few classes that you may want to consider taking that will help you have a leg up over your competition. Taking economics, accounting, and financial management courses will also aid in your advancement within the company you are working for.  Obtain a License Each state is different in their licensing requirements, however, you can expect to spend about 20 to 50 hours learning the material needed to pass the licensing exam. You may be able to do this yourself using an online program, or you may have to attend classes at a technical school or community college. Additionally, fingerprinting and criminal background checks are needed before a license can be issued.  Seek an Internship Learning from an expert in the field is often more beneficial than any book knowledge. When you first start out, seek an internship or become an apprentice so that you can learn the ins and outs of selling insurance. Remember that an insurance agent must also be skilled in the art of sales, and watching a pro at work will put you on the path to success much more quickly than if you were left to figure it all out on your own.  Create Goals Once you begin your journey as an insurance agent, it is imperative that you create a set of goals for yourself. This is because most agents work off of commission. Having achievable goals will give you something to work toward, which is a form of accountability, so that you keep striving to be the best you can be. Keep Up With License Renewals Pay attention to your state’s licensing rules and regulations. Most require that licenses be renewed every two years.  During this time you may also want to work toward additional certifications that will not only increase your knowledge, but help you advance to the next level in your company. Financial planning certifications, for example, look great on an insurance agent’s resume.  Becoming an insurance agent can be extremely lucrative if you put proper time and energy into each step of the process. A little hard work and determination will take you far in this field.    ...

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3 Tips For Buying A Home With Low Insurance Rates

Posted by on Mar 25, 2016 in Uncategorized

When buying a new home, not only are you presented with the new cost of your home’s mortgage and property tax, but you will also have your homeowners insurance rate to worry about. In most cases, there is very little you can do to reduce the cost of your mortgage rate and property tax. However, there are a few solutions that can help you obtain a lower homeowners insurance rate. So, before you select a house to make an offer on, be sure to consider finding ways to obtain affordable homeowners insurance by doing the following: Check the Local Crime Rate: Crime rate can easily influence the cost of how much you end up paying for your home insurance. This is why it is critical that you find a neighborhood with low rates when it comes to the history of crime. You will also want to check for crime trends. If the crime rate in the neighborhood that you are interested in is rising then your insurance rate may be increased years after buying your home. Checking this will help you save on your insurance rate as insurance providers will feel like you are less of a liability by living in a safe community. You will also have a lower chance of having to file a claim for home damages caused by theft, which is another way you can save. Avoid Buying A Home Far Away From A Fire Station Did you know that if your home falls outside of a fire station radius, which can sometimes be a 5-mile distance, you could be paying higher insurance rates? This increase can add up over the time that you live in your home, which is why checking for local fire stations may be something to keep in mind. Consider a Gated Community: Reducing the chance of home theft and having to file claims can definitely reduce the cost of your homeowners insurance. So, if you have been thinking about moving into a gated community, consider doing it if you want to maximize your savings on your insurance bill. Moving into a gated community is another way to avoid home damages as burglars are less likely to put forth the effort and break into your home if there is a huge gate or alarms surrounding your home. Insurance providers will provide you with discounted rates as you are less of a target for home theft. Applying these concerns and tips when shopping for your new house can help you not only find a home that is in a safer neighborhood, but will also help you obtain more affordable insurance rates. Check out the site for your real estate agent for more information....

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How To Obtain Lower Car Insurance Quotes

Posted by on Mar 23, 2016 in Uncategorized

If you are in the market for a new insurance policy, your biggest concern and what will help you select a new insurance provider is likely going to come down to the cost of your policy. Well, if you aren’t receiving any good rates from insurance providers, there may be a solution that you can take advantage of which will help you obtain lower rates and will allow you to obtain quality insurance coverage. So, before you shop around for a new insurance policy, consider doing the following: Remove Points from Your Record: Before you begin applying for quotes from different insurance companies, consider removing any points that you have against your driving record first. Driving points on your record can influence the quotes you receive more than you think and this could end up costing you hundreds, even thousands a year. So, before applying for a new insurance policy, attend a local traffic school center as this will allow you to have the ability to remove points from your record. This will ensure that insurance providers don’t feel like you are a big liability for them to insure as they won’t be able to see any points that have been removed from your record, which can help you obtain lower rates. Drop Your Other Coverages and Bundle With a New Provider: Another great way to save when it comes to your car insurance is utilizing a new insurance company that can cover you with all of your insurance needs. So, when shopping around for a new policy, consider a company that can offer you not just car insurance, but also other policies such as renters, homeowners, and even life insurance. Bundling all of your insurance coverages under one account can help you obtain discounted rates across all of your policies and this is a very effective way to save. Get an Estimate for Your Car’s Value: Knowing how much coverage you actually need is important as this will prevent you from guessing, which can result in you buying more coverage than you actually need. So, don’t get a quote based on the car’s value when you first bought it but based on the value of its current worth. This will help you avoid buying unneeded coverage, so you can be certain that you maximize your savings. Utilizing these tips will help you obtain a lower insurance rate when getting quotes from different insurance companies. Not only will it help you save, but it will allow you to get the most out of your new insurance plan as you won’t have to worry about dropping or reducing coverage in order to save on your insurance bill. Contact a business, such as Cornerstone Insurance Group, for more...

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How Major Life Events Affect Your Auto Insurance Rates

Posted by on Mar 8, 2016 in Uncategorized

A life event is anything that changes your personal circumstances or status. Life events have the ability to increase, decrease or even invalidate your auto insurance coverage. Here are some of the major life events, and how they may affect your car insurance:  Marrying and Divorcing As a general rule, marriage has a beneficial effect on your auto insurance rates. Most insurance will give you a discount once you get married. Available statistics show that married drivers are less likely to get involved in auto accidents as compared to their single counterparts. The exception is if your partner has a bad driving history, for example, if they have a conviction for driving under the influence (DUI) on their record. In that case, marriage may actually increase your rates. There are also other indirect ways in which marriage may lower your rates. For example, you may get a multi-car discount if you both own cars or infrequent driver discount if you decide to use one of the cars for most of your journeys. All these gains are likely to get reversed, however, when you divorce. Having a Child Having a child isn’t likely to have a direct effect on your car insurance rates. However, there are numerous indirect ways in which it may increase or decrease your premiums. Consider these examples: Buying a bigger car – Some people upgrade to bigger cars after the baby; bigger cars tend to be more expensive, which results in increased premiums. Safety gadgets – Parents tend to be more safety conscious than parents. Most insurance companies have discounts for car owners who install safety gadgets. Reduced mileage –Babies reduce your free time, which means you may not drive as much as you did during your single days. This reduced mileage may result in lower insurance rates. Moving Moving is another example of a major life event that may have both direct and indirect effects on your car insurance premiums. Insurers often give different quotes for different zip codes. This is because your zip code represents your geography, and different areas present different risks to insurers. For examples, motorists in areas with high crime rates attract higher premiums, as does motorists in high accident areas. The effect may even be greater if you move out of state. State laws determine insurance costs and states have different laws. For example, moving from a state with a low minimum coverage to a state with a high minimum coverage may increase your rates. The good news is you can manipulate many of these factors to your benefit. For example, you can decide whether or not to combine your policy with your spouse. You can also install safety gadgets to attract security discounts. In short, you won’t always be at the mercy of your life’s events if you are well informed.  For further assistance, contact a local provider, such...

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Things To Consider When Choosing Home Insurance Coverage

Posted by on Feb 22, 2016 in Uncategorized

Are you lost when it comes to getting the best home insurance coverage because you have never had it before? You may be able to take advantage of more benefits than you think if you choose the right type of coverage for your house. This article will discuss the type of coverage that you should consider when deciding on which type of homeowners insurance plan is the most ideal for your home. 1. Personal Belongings in Your House Can Be Covered A home insurance plan is more than about having coverage for your house, it can also extend to your personal belongings that are kept inside of the house. The reason it is a good idea to make sure your personal belongings are covered is because you can never predict when your house might be burglarized. There are some home insurance plans that will allow you to cover specific personal items. For instance, if you have expensive jewelry or rare collectibles in your home, a home insurance plan might give you the opportunity to get compensated for them if they are stolen or damaged. 2. You Can Have Coverage When You Take Road Trips Home insurance can actually be a big advantage even when you’re not at home much–like if you are a big traveler. You must keep in mind that when you are staying in hotels during your road trips, different maids or other hotel staff will be in your room, possibly when you are not there. Home insurance will give you the advantage of filing a claim to get compensated if any of your personal belongings turn up missing. This kind of coverage actually goes beyond hotel rooms, as it can also cover personal items that come up stolen out of your vehicle. Coverage for personal items in a vehicle can be beneficial whether you are a traveler or not. 3. You Can Have a Peace of Mind in the Event of a House Fire The worst thing about house fires is that they can spark up at any given time. No matter how good you are in the habit of making sure appliance like the kitchen stove is turned off when not in use, your house can still be at risk of a fire. All it takes is bad electrical wiring. Home insurance will allow you to get your house repaired without getting into a financial bind if a fire occurs. Contact the home insurance company of your choice to get coverage that is great for more than just your...

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