Friday, January 10, 2014

Frequently Asked Questions About Insurance

By Maryl Joop


Always strive to keep a dry environment in your Lawrenceville, GA, home. Whether you live in an extremely humid area, or were recently flooded, excessive moisture in the air is bad for your home because it can spur the growth of mold spore.

Insurance can be a complicated and intricate industry and for those who are not dealing with insurance on a day to day basis, the complexities of the insurance world can make them feel like they are at a disadvantage when it comes time to purchase a new insurance policy or upgrade an existing insurance policy. In an effort to help in this muddled confusion concerning insurance, some of the most frequently asked questions about insurance are listed below with their associated answers.

Upgrades and improvements made to your home not only increase the value of your residence, they may also save you some money every year on your insurance. Some minor improvements like better locks on your doors or better exterior lighting may save you a few dollars. Other major improvements will cost some money to install, but can save you hundreds or even thousands of dollars in insurance premiums over the life of your home.

Here are a few things that you can do to ensure your rooms stay dry during the wettest times. The first thing you can do is to close your windows and doors on the especially moist and humid days and turn up the air conditioning.

Additional Savers

While it may be worth it for some to knowingly exclude a liability clause in their insurance policies in order to cut rates, the smart play is to first understand liability insurance coverage and how it can help a person. Liability coverage's are often included in auto and homeowners insurance policies and are place to provide insurance coverage to suits concerning liability that may be brought against the policy holder.

Some insurance providers reduce premiums for customers who do not file claims. The longer you go without filing a claim, the more likely you are to see some savings. They prefer to not pay claims and can pass their savings on to you as you continue to save them money.

Place it in the middle of the room to allow it the best chance of gathering moist air. If your air conditioning is blowing, it will push the air towards the center of the room-straight to the de-humidifier; and in places with high humidity, turn it on daily.

In addition to offering more in coverage (and at inexpensive rates) an umbrella insurance policy will provide liability coverage for those holes in a home or auto policy that would not otherwise be included. For example, some homeowners insurance policies may offer liability coverage for a policy owner if a suit is filed that originated from an accident within the home, but this form of coverage would not cover the funds awarded to a pizza delivery person who filed suit against the homeowner for a sprained ankle suffered in the home's driveway as an umbrella police would.

Lauber & Will provide quality home insurance in Cincinnati. Come by our office, visit our website, or give us a call today. Put us to work for you and we will help you find the perfect policy for your needs and get you the discounts that you deserve.




About the Author:



No comments:

Post a Comment