Higgins Lake Houghton Lake Roscommon Home Insurance

By Ken • September 30th, 2009

Property owners are experiencing the ever increasing cost of home ownership…………….

with property taxes, electricity, gas, insurance and decreasing home values. Eventually property values will rebound and there is a way to keep your home owners insurance premiums in check and mitigate loss of property equity.

Review the following list of easy ways to save  insurance premium and loss of property equity:

  • Check to see which spouse has the better credit score.
  • Increase your deductible.
  • What associations are you  a member of? Group discounts can save you premium dollars.
  • Insure your auto, home, vacation home, boat, life, and business with the same company. Some companies give discounts for multiple policies.
  • Place your savings with insurance annuities.
  • Do you have personal property that should be scheduled? Items such as antiques, collectibles, expensive jewery, numerous guns etc.
  • At least every other year compare rates with different companies, premiums may creep upward.
  • If you are buying a property: Make the sale contingent on a home inspection. During the inspection period get a quote for property & casualty insurance. The insurance company will seek a CLUE (comprehensive loss underwriting exchange) report. The report will list claims over the last 5 years on the property you are going to buy. This information will give you valuable help to see if the house is in the condition the seller claims. At the same time the insurance company will give the cost of insurance and you will be able to have the peace of mind when you go to close the transaction that the insurance will be in place.
  • Insure your property for replacement value, under insuring could cost you a bundle.

Higgins Lake Houghton Lake Roscommon Home Insurance

I can give you help with questions you need answers to. Call me at 989.240.0970 for all your insurance needs.

Ken Carlson is a licensed agent with:

Gaylor Insurance Agency, Roscommon, MI  48653

Disclaimer: Information contained herein is not guaranteed and is subject to change without notice.

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