Homeowners insurance is expensive but taking the steps to improve your home may help with protecting your home as well as potentially lowering your insurance premium through discounts. Consider the following two improvements and consult with your insurance provider to see if they are willing to reward you with discounts.
A security system. A home security system will give you some peace of mind and it may also shave a small percentage off of your premium. Depending on the insurer, you may be asked to provide proof of what’s called an “alarm certificate” which basically serves as a confirmation that your security system is able to contact local authorities or the security company.
Roof replacement. If your roof is significantly old, replacing it can potentially help tremendously during hurricane season. A major storm may not have winds strong enough to damage it, but the excessive and constant rain can cause leaks in an older roof, potentially causing major interior damage. Having storm shutters can also provide potential discounts.
Some other steps you can take that may save you money include raising your deductible if your financial situation allows for it or bundling your insurance coverage, such as your home and automobile.
This information is provided by Miami insurance attorney Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with one of our attorneys or a Miami insurance settlement lawyer and receive a free consultation We look forward to working with you.
This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.