homeowners insurance

Don’t get burned by bad homeowners insurance.

Homeowners insurance can be tricky. That’s why you’ll want to do your homework when it comes to this important financial decision.

One of the best things you can do to make sure you have the best homeowners insurance is to work with an expert from Seeman Holtz Property and Casualty. Here are a few additional tips.

Shop around

One way a competent agent can help is in shopping around for the right homeowners insurance policy to fit your needs.

There are some additional steps you can take. According to the Insurance Information Institute, “check consumer guides, insurance agents, companies and online insurance quote services. This will give you an idea of price ranges and tell you which companies have the lowest prices. But don’t consider price alone. The insurer you select should offer a fair price and deliver the quality service you would expect if you needed assistance in filing a claim. So in assessing service quality, use the complaint information cited above and talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs.” Click here Salt Cay Villa

Draw a bead on the claims process

Different insurers handle claims differently. So you’ll want a thorough understanding of how your insurer deals with claims.

According to Bankrate.com, “Two policies can promise the same amount of coverage, but they can be vastly different when it comes to making you whole after a loss. Have the agent explain exactly how claims are handled, especially when it comes to writing you a check. Do you receive your entire claim upfront, or just a fraction? Does the company pay you for all the things you’ve lost, or only those things that you replace?”

Work to minimize disasters

Your insurer will reward you if you make your home a surer bet against random disasters.

“Find out from your insurance agent or company representative what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage,” according to the Insurance Information Institute.