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Evaluating Home Insurance Coverage

Many residents of The Villages rely on fixed incomes. If you are one of these people, you want to keep your budget in line. However, you still must meet such standard costs as your home insurance premium. All the same, you can take steps to keep your policy costs affordable. What can you do to better manage your insurance expenses?

Homeowners insurance is a vital piece of protection, particularly in The Villages, where home values might surpass $260,000. Don't let budgetary worries prevent you from getting effective protection.

Maintaining Your Home Insurance Prices

You'll have to pay a premium for your homeowners insurance. This price will vary based on many factors. However, you do have a degree of leeway to control your coverage costs. By taking the steps below, you'll be able to keep your coverage in line with your cost needs.

  • Make sure your policy effectively matches the value of your home. Some homes increase in value over time. We would be happy to review your home's current value. Keep in mind, this amount will likely be different from the selling price.
  • See about increasing your deductible on your policy. That reduces the amount your insurer might ultimately have to pay you for a claim. Therefore, you'll shift some of the cost risk to yourself, and it will reduce your premium costs. However, do not increase your deductible to an unaffordable level, this is what you would have to pay in the event of a claim.
  • See if you can bundle your home insurance with other coverage, such as your auto policy. If you buy multiple policies from the same insurer, you'll often get a rate discount.
  • Avoid making smaller claims on your coverage. If you can afford to make home repairs out of pocket, you'll reduce your insurance burden.
  • Make regular updates to your home's major systems, such as your HVAC or roof. Newer items often lower risks, as they increase safety and efficiency in the home.
  • If you do not have a home security system, consider installing one. Not only will it make you safer at home, but it may also result in an insurance discount.

Whatever you do, do not drop coverage like your liability or structure protection. Also, ask your Ahrens Insurance agent to research which policy options offer the best prices. Your agent will look at your coverages to help you see where you can make changes. Call (352) 368-7090 or request an on-line quote and start saving today on your homeowners insurance.

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