How to Save on Homeowners Insurance
If you’re like most people these days, you’re probably looking for ways to make your budget stretch as far as possible, trimming here and there in every way you can. And while you may not realize it, there are ways to answer one very big question that wise homeowners face: how to save on homeowners insurance.
There are a number of answers to that very conundrum, and not all of them have to do with your actual home. Others, however, are directly related to things like the strength of your house’s structure, where your property lies, and what features you’ve added to bulk up your defenses against the whims of nature.
As any home remodeling contractor or custom home builder will tell you, one of the best ways to achieve the goal of building natural disaster proof homes is to start with a sound structure and a foundation that is properly stabilized. In coastal areas and regions of the country prone to flooding, stilt houses will cost less to insure because of the simple fact that their risk of damage in the event of a natural disaster is decreased. The most disaster resistant homes incorporate a number of details rather than just one, however. Using flame-resistant or fire retardant materials on the roof and on the outside of the structure itself will help protect it against fires, while installing storm shutters will guard against damaging winds. Updating the electrical wiring, plumbing system, and heating system in an older home will reduce the chances of damage from failure, as well. Naturally, making these upgrades means lower payouts for your premium.
Be Safety Minded
As you explore the best options in how to save on homeowners insurance, consult with your remodeling contractor to inform him of your concern about decreasing the cost of homeowners insurance during remodeling. Renovation time is the perfect time to secure your home in every imaginable way so that when the insurance representative gives you a quote, you’re hitting as many of those rate reducers as possible.
If your home is rock steady and can fend off the flames, you’ll still want to consider the benefits of wireless home alarm systems. Even if you live in a safe city with a relatively low crime rate, the extra measure of security can add up big with your insurance company.
Strengthen and secure your home against high insurance rates! Call the knowledgeable team at Omega Construction & Design, Inc., today!