Are you getting your Home insured?

There are many people in United States, who are not aware about the insurance policies or they do not know how to go for an insurance cover. In a recent survey, it came to notice that out of the all the households, 53 million households are not aware about the above.

In the survey, it was also shared that around 6-10% can be saved by using the insurance premium. There are few of the concerns related to the insurance, which are depicted below –

• Dual Duty – If you are going for a home insurance, make sure that along with home insurance; go for auto insurance or any other insurance at the same time itself. This would result in getting a discount from the insurance company; so home insurance quotes can be as low as of 10 – 15 % or even more than that.

• Score Card – The scorecard can help in a big way, the points earned can help in getting an insurance cover easily, and if you are married, then the points of your spouse can do wonders for you. The insurance agent can adjust those points and a lower insurance rate can be a possibility.

• Raising the Limit –It is possible to lower the rate; the standard deductible rate is $2,500 and it is possible to expect a lower rate if the limit is above or equals to $5,000.

• Choosing an apt Agent – There are agents working for a firm, a firm that is into this field from years or an independent agent, who is looking after the insurance rates and policies on his own, not confined or under any rolls of an insurance company can be a boon. It is up to you to select an appropriate agent, who can look after and present the best rates. Therefore, it is a vital part to select an agent, who takes care of all our preferences.

• Online Insurance – In case, you are going for an online insurance; it has its own benefits. It helps in saving time as agents don’t need to visit your place or we have to run for getting the insurance done as well as it is all possible with just a click away. Moreover, the total amount to be paid is clearly mentioned on the website and as a result, there is transparency in the transactions.

Protect your dream home with Home Insurance

People spend their whole life building a dream home for their families so that they have a secure place where they can live. What if a fire burns your house down? What if an accident or natural disaster takes away your house? What will you do then? How will you cope with such a loss?

These troubles never ask for permission before coming into your life. At that time, only a backup plan can save you from total disaster. This backup plan is home insurance!

It is a ray of hope in the darkest period of one’s life. Accidents never wait for the right time or place. So you should be always prepared to face any circumstances. It gives you the hope that no matter what, you can handle anything, and you will survive the bad times.

Home Insurance policies mostly covers fires, theft, explosions, accidents caused by vehicles, any kind of riots, volcano eruption, windstorms, lightning, destruction caused by snow, or other accidents caused by appliances. You can buy flood and earthquake policy separately.

Here are some of the benefits of these policies:

• This is the basic and main benefit of home insurance that if anything happen to your house, you will receive the benefit of your policy. The loss will be paid by the company.
• Most policies cover your valuable things inside your house, which includes furniture, silverware, jewelry etc. In case of theft or burglary, fire or any other accident, your policy will cover the loss.
• These policies are like an investment. You will never have to worry that what will you do if your home get damaged. If anything happens, you can get your invested money from insurance to take care of the damage. It is a financial protection.
• It will also pay for any kind of damage or injury to anyone, caused on your property. Whether the damage is caused by you, your family member, or even your pet, the legal responsibility will be taken by the company.
• If your home is damaged by some natural or human accident, which is included in your policy, and the house is not in the condition to stay in, your insurance company will pay for all the living expenses for your family. These expenses include hotel or motel bills, restaurant or food bill etc.
• In case of any damage, the company will take the responsibility to rebuilt or renovate the building. They will make sure that your house is reconstructed as fast as possible.

With these benefits, one should definitely get the policy covering their house and other valuables. You just need a good broker to guide you. Home insurance broker in NYC and other big cities can guide you to a policy, which can relive all your stress and tension.