Unbeknownst to many American homeowners, you are probably paying more for your homeowner’s insurance than you need to. Whether you have home insurance in Connecticut, New Hampshire, or any state – most companies assess your property without your knowledge. It’s true – many insurance companies have their agents, or often a third party company, inspect your home’s exterior and property without your knowledge, or even while you are away.
Paid on a percentage basis, most agents won’t willingly tell you what you could do to earn a better rate. So, the more you spend on home insurance in Connecticut and surrounding states, the better for them. These same agents are not concerned with the competition because the items they are charging more for, is a fairly universal practice.
Replace knob and tube wiring.
It’s not uncommon in older homes to have old fashioned wiring still in the basement. Often, contractors overlook the wiring, never removing it, when rewiring a home. If your house is still using knob and tube, you’ll want to call an electrician and have it replaced right away as it presents a fire hazard. Even if the wiring is no longer functional, an insurance company can rate you for merely having it still hanging.
Clear trees that are too close for comfort.
We get it; some people hate the idea of cutting down trees. If this is you, make sure that no branches touch the house, especially the roof. Better yet, be sure to clear anything overhanging your roof. Insurance companies love charging more for elements that may potentially cause damage during storms.
Keep woodpiles away from the house.
Not only are woodpiles a fire hazard, but they’re also a perfect home for destructive critters. While you’re at it, you should also clear out any brush or dry vegetation close to the home.
Don’t keep old cars or appliances near your house.
This may sound crazy that we even need to mention it, but you’d be surprised how many people keep old appliances and cars around their yard. If you must keep such things (to sell for scrap or whatever), at least put a fence around them.
Fence in any pools or trampolines.
Exposed pools and trampolines are a sure way to a much higher insurance rate. Do yourself a favor and secure these items with fences.
Keep up with repair needs.
Part of owning a home is keeping up with maintenance. Things like broken windows, cracked sidewalks, and missing shingles or siding will deem you a higher liability to insurance companies. With the thought that you will be more likely to submit a claim, the insurance company will charge you more upfront.
Call Morin Agency.
Give our team a call today to discuss your current home insurance in Connecticut or surrounding states. Our professional and honest team is happy to compare rates and options to help save you money! Contact Morin Agency today at (603) 875-1200.