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Choosing wisely could cut your premium by 5 to 15 percent.


Avoiding areas that are prone to floods can save you money as well. Does your town have full-time or volunteer fire service? Is the home close to a hydrant or fire station? The closer it is to either of these, the lower your premium will be. Insuring the value of the land under your house is not necessary because land isn't at risk from theft, windstorm, fire or other disasters. You can usually get discounts of at least 5 percent for a smoke detector, burglar alarm, or dead-bolt locks.

Some companies offer to cut your premium by as much as 15 or 20 percent if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police station or another monitoring facility. These systems are not inexpensive, and you should also be aware that not every system qualifies for the discount. Tip: Before you buy an alarm system, find out what kind your insurer recommends and how much you'd save on premiums.

Some insurers offer to reduce premiums if all the residents in a house don't smoke. Ask your insurer if this discount is available. Compare the limits in your policy with the value of your possessions at least once a year, to make sure your policy covers major purchases or additions to your home. Tip: On the other hand, you don't want to spend money for coverage you don't need.


If you live in a high-risk area, one vulnerable to coastal storms, fires, or crime, for instance, and have been buying your homeowner's insurance through a government plan, you may find that there are steps you can take to allow you to buy insurance at a lower price in the private market. Check with your insurance agent. E: fortbendcpa gmail. Subscribe Login. Home About Carolyn J.

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How much homeowner's insurance should I buy? How can I make sure my homeowner's insurance is adequate? How should I shop for a home insurer? How much of a homeowner's deductible should I have?

Should I buy home and auto policies from the same company? Should insurance costs be a factor in the home purchase decision process? Should I insure the entire cost of the home including land? Does home security reduce insurance cost? Do home insurer's offer discounts for non-smokers? How often should I review my homeowner's policy? Should I buy private or governmental sponsored storm insurance?

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How can I get the best homeowner's insurance at the best price? Shop around Raise your deductibles Buy home and auto policies from the same company Check a home's insurance cost prior to purchase Don't insure land Increase home security Stop smoking Check your policy once a year Back To Top How much homeowner's insurance should I buy? Insure For percent of Rebuilding Costs The amount of insurance you buy should be based on the cost of rebuilding, and not on the price of your home.

Back To Top How much homeowner's insurance should I buy? Check Your Policy and Keep Your Agent Informed Make sure your agent knows about any improvements or additions to your house that have been made since you last discussed your insurance policy. Contents Insurance: Make a List of All Your Personal Possessions This includes everything you and your household own in your home and in other buildings on the property, except your car and certain boats, which must be insured separately.

Check Your Policy for Special Limits Check the limits on certain kinds of personal possessions, such as jewelry, artwork, silverware, and furs. Back To Top How much of a homeowner's deductible should I have? Back To Top Should I buy home and auto policies from the same company? Back To Top Should insurance costs be a factor in the home purchase decision? Back To Top Should I insure the entire home cost including land? We're a full service Real Estate company specializing in residential, farm and ranch, and commercial properties.

Learn about their LocalBest awards, ratings, and reviews. Review business listings, maps, links, promotions, and more for housing in Midland, TX. Apartment Finder will help you find short-term housing in Midland that will check every box.

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Search through Dallas, TX area properties for sale, save your favorites, and create property alerts for the neighborhoods you love! Midland College offers more than fifty associate degree and certificate options, and is a Level II four-year institution, accredited to offer a Bachelor of Applied Technology BAT degree.

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      23 Cheshire Bend Dr, Sugar Land, TX 77479

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