3 Mistakes to Avoid When Deciding What Type of Home Insurance to Have

Having the right home insurance is essential to ensure that your property and the contents of your home are protected if a variety of unfortunate situations should happen to occur.  Here at Schumacher Insurance Group, we work with a large selection of national insurance providers which allows us to select a home insurance policy that fits your needs at rates you can afford.

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When you are selecting a homeowner’s insurance policy, there are some things that can cause your rates to be higher than they should.  Make sure you avoid certain mistakes when you are deciding what type of insurance to choose for your home, like the following:

  1. Your deductible is extremely low.  If your out-of-pocket deductible is low, your premium will generally be much higher so the insurance provider can offset their financial risk when something occurs that requires a claim.
  2. Your policy hasn’t been reviewed to make sure you are paying only for the coverage you actually need.  You may no longer need coverage on certain items because you don’t own them anymore, or the coverage needed should be less because the item has depreciated in value.
  3. You don’t have safety features added to your home like smoke detectors, security systems, or more secure door and window latches.  Making your home less attractive to burglars and intruders can lower your insurance rates.

You can save even more on your policy when you combine it with other plans like insurance for your vehicle or life and health insurance.  Learn more about how Schumacher Insurance Group can provide you with the right coverage for your home by contacting us today.


About Schumacher Insurance Agency

Why trust us? What do we do different than every other insurance agency? Consider this an invitation to get to know us. We believe we are an exceptional team of protection specialists that work hard to do things the right way, to educate our clients on insurance, and make the experience effortless. We are excited to introduce a new insurance experience for our customers. We encourage you to speak with our team who can show you how different we are… from text messaging services for late payments to educational insurance concepts on Facebook. We will prove our innovative approaches to obtain the proper coverage’s for you, your family, your business. Insurance is likely not the most interesting affair for everyone, but it is most certainly ours! Yes, we are insurance geeks!

Posted on October 19, 2013, in Agency, Uncategorized and tagged , , , . Bookmark the permalink. Leave a comment.

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