5 Tips to Lower Your Homeowners Insurance Cost

Home insurance rates can be quite costly if you don’t compare rates and policies. If you want to get the lowest home insurance premiums possible, you need to find the right policy for your home and family. There are several things you can do to lower your premiums and keep your house sufficiently covered. Talking to your insurance agent regularly is the first step.

Here are 5 tips to help you lower your homeowners insurance cost.

  1. Do A Little Comparison Shopping

When you buy a home, your lender may recommend a specific insurance company. However, it is up to you to choose the insurance carrier and policy you think will be the best for your needs. Talk to your current agent to find out what they have to offer. If you don’t like what you hear, keep looking. Getting quotes from two or three insurance providers will give you a good idea of what type of coverage is available for what you are willing to pay.

  • Ask About Discounts

Most insurance companies offer a variety of discounts to homeowners to help reduce premium costs. Simply performing a few upgrades to your home can make you eligible for certain discounts. Putting up a privacy fence, installing a home security system, or adding exterior lighting in your landscaping are all ways you can reduce your risk of liability or loss. Once you have completed any new improvement, contact your insurance agent to determine if there are discounts you may be eligible for. Bundling your home and auto insurance is another way to lower your home insurance costs.

  • Review Your Policy Every Year

Things can change from year to year and could affect your homeowners insurance. You might make a few home improvements or add on another room. Review your homeowners insurance with your agent every year or two so that you know you have all of the coverage you need and that you are taking advantage of every discount for which you are eligible. Review your deductibles as well. Talk to your insurance to ensure that any of your items that need additional coverage are protected as well.

  • Raise Your Deductible and Lower Your Premiums

Raising your deductibles will also lower your home insurance premiums. When you first purchase your policy, you can choose a lower deductible to make your premiums much higher. If you raise your deductible, the reverse happens. Higher deductibles will lower your monthly premiums and make them more manageable. The only time you will really notice that your deductible has been raised is if you file a claim. Many people find the monthly savings to be worth having a higher deductible. It is essential not to choose one that is too high or will cause undue hardship should you need to file a claim sometime in the future.

  • Find Out if You Need Flood Insurance

Homeowners insurance normally does not cover floods. If you live in a flood plain, it’s important that you look into flood insurance. Talk to your agent and find out how much it will cost to include flood insurance with your homeowners policy. This will allow you to include it in your budget and get the coverage in place.

Lowering your homeowners insurance premiums can be a challenge. However, with a little bit of research, you can often find a few options to help bring down the costs. For assistance with all your insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

Analyzing Homeowners Insurance: Does It Cover Rain Damage?

Heavy rains can cause major water damages to your property, including water leaks, flooding, and drain overflows. If these damages are not fixed on time, they can lead to significant problems in the foundation of your home.

When you hire a water damage restoration agency to repair the damages, you must know how much of these costs are covered by your homeowner’s insurance. The following points will help you understand whether your homeowner’s insurance covers water damage.

Rain Damage

Certain damages caused by rain are covered by your home insurance policy. For example, if the rain or storm has caused a leak in your roof, the cost to repair it will be covered by the policy.

However, you won’t get coverage if you already had damage in a wooden pillar on the porch and the rain worsens it further, as it is considered preventable damage that could have been fixed.

Flood Damage

Your regular homeowner’s insurance may not cover flood damage. It will cover only minor leaks, so you will need separate insurance to cover flood damage.

Due to the extent of flood damage and the expenses involved, only some insurance providers offer flood damage coverage.

Other Damages Due to Rain

The extent of damages your property faces depends on the severity of the rain. Generally, most homeowner’s insurance covers damages caused by hailstorms, wind, and lightning.

Consult your provider to understand the type of water damages covered by your insurance. While homeowner’s insurance covers various water and rain damages, they are meant for emergencies. You cannot expect coverage for damages caused by regular wear and tear.

Investing in homeowner’s insurance is necessary to protect your home from unexpected damages. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We help you find the best coverage that suits your needs and budget.

Protect Your Property from Fallen Trees with the Right Property Damage

Protect Your Property from Fallen Trees with the Right Property DamageDetermine what you need to know about fallen trees and your insurance coverage.

Trees a wonder of Mother Nature. They provide plenty of shade in the summer and plenty of oxygen year-round. However, during the summer months, when more thunderstorms are likely to occur, it’s important that you take care to use precautions to avoid fallen trees. Despite your best efforts, sometimes fallen trees can cause serious damage to your property. Find out what you need to know about fallen trees and your insurance so that you’re well protected.

Property Damage.

If a tree falls and causes damage to the structure of your home, your homeowners insurance will likely give you some coverage to help remove the tree and fix the structure. However, it’s important to note that if the tree fell due to a lack of maintenance your insurance won’t cover you. Ensure that you stay up on your home maintenance and remove any dead tree limbs or limbs that are too close to the structure of your home.

Car Damage.

Should a car fall on your tree, you’re likely covered under your auto insurance policy. However, it’s important to check the specifics of your policy to make sure. While your coverage will help to make repairs to your vehicle, the removal of the tree is likely not covered under your policy.

No Damage.

In some instances, a tree will fall but cause no damage. Under these circumstances, you’re then responsible for removing the fallen tree out of pocket since there had been no physical damage to the structure of your home.

When it comes to fallen trees, ensure that you have the tools that you need to protect you, and invest in the right insurance policies. For all of your insurance needs, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How to Prevent Basement Flooding

How to Prevent Basement FloodingThe summer rains are perfect for hydrating our flowers and gardens, but they often bring unwanted basement floods.

Summer means beautiful weather, but, depending on where you live, it also means powerful thunderstorms. While it certainly makes our garden look robust and healthy, it can also lead to unwanted flooding. From our parks and streets to our basements. To keep your basement dry during the summer storms, check out these helpful hints.

Preventing Basement Floods

  1. Clean your gutters. If you don’t clean your gutters every fall and spring, you leave your gutters vulnerable to clogging. If not drained properly, it can spill over and leak into your foundation which can lead to a flood.
  2. Your downspouts should extend away from your home. Your downspouts should extend away from your home and lead six feet away from your basement. Make sure that these are not connected to the foundation as they could unintentionally leak down into your foundation–even if functioning properly.
  3. Purchase a sump pump. If properly installed, the sump pump can act as a huge floor drain by sucking all of the water that wants to enter your basement. Make sure it’s free of debris, and think about a battery or propane generator in case power goes out during a storm. A pump without sucking action is just a tube.
  4. Do an examination during a storm. If water starts pooling near or by your house, it’s best to call a landscaper or contractor to build ways to direct water away.
  5. Flood insurance. When all else fails, it’s an excellent idea to have flood insurance, as the typical home insurance policy will not cover such flooding.

For all of your homeowners insurance needs to ensure your home is fully covered for a complete reconstruction, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Gun Safety in Carlisle, PA!

Gun Safety in Carlisle, PA!

4 Questions to Ask If You Keep Guns in the House.

There are an estimated 300 million firearms in U.S. homes, and, logically, the more guns there are, the chances for gun-related incidents greatly increase. “It will never happen in my home,’ says every gun owner before it happens in their home. If you own a gun, and you keep it in your house, ask yourself these questions to prevent a gun-related accident.

  • Is my firearm locked and loaded? Whenever you are not using your gun, your gun should be unloaded and placed in a secure location, away from child access.
  • Where’s the ammo? Keeping your ammunition separate from the gun itself is a way to greatly reduce an accident. Especially if the ammunition is locked.
  • How much does my family know? Everyone in the house should know that you are keeping a firearm. And remind your children never to touch guns—no matter whose house they are in.
  • Does my insurance cover me? Homeowners policies may cover accidental and negligent acts, but they generally do not cover intentional ones. Meaning, if you shoot someone, even in self-defense, you won’t be covered .

With accidents like these, you want to make sure that all your guns are covered—otherwise you could end up being in loads of trouble. Instead, ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing  insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Creating the Perfect Home Inventory

Home Inventory Carlisle, PA
Follow these tips to help you create a home inventory.

You buy homeowners insurance to protect your biggest asset – your home. However, before you start enjoying your coverage, you need to make sure that all of your personal belongings are protected with a complete home inventory. Keep these tips in mind to help you create a home inventory.

  • A written home inventory can work to keep all of your assets safe, as long as you complete it. If you are making a written home inventory, make sure to open all closets and drawers to ensure you mark down each and every item you own.
  • Creating a home inventory with pictures or video will make it much easier. Simply walk through each room and document everything you see, as well as their values.

You should always have at least two copies of your home inventory, with one being stored at a different location other than your house, such as a lock box at your bank. Any proof of value, such as receipts or appraisals should be included in your inventory to ensure you have the right amount of coverage.

For all of your home insurance needs to ensure you have the protection you deserve, contact the insurance professionals at Carlisle, Pennsylvania.

When Do I Need to Update My Home Insurance?

Updating Your Home Insurance Carlisle PAHomeowners should protect their home with accurate insurance coverage.

When it comes to taking care of your large asset, your home, there’s more than enough to do to keep busy! Unfortunately, most homeowners tend to forget the most protective, most helpful precaution – home insurance. This coverage is designed to protect your home and assets in the event of a disaster.

Below are some circumstances in which you should review your home insurance coverage to ensure that are continuously protected.

A New Home
Coverage for your home is imperative. If you buy a new home, be sure that you receive the insurance that covers your home’s estimated reconstruction costs and not its current market value.

Remodeling
Whether you’re renewing your bathroom or adding an outside deck, major home renovations usually boost your home’s value. This value should be reflected in your insurance coverage. Be sure to update your insurance when you update your home.

New Purchases
If you have recently bought a pricey TV or a flashy necklace, talk to your insurance agent. While your home insurance can cover valuables against loss or theft, coverage is only provided up to a certain limit.

Lifestyle Changes
Certain life events may alter your assets and risk tolerance, which can change how much insurance coverage you want. For example, if you have retired or quit smoking you may be eligible to receive a discount on your insurance.

Now that you know when to update your home insurance, ensure that you have the proper coverage at the present time. Contact Miller Insurance in Carlisle, Pennsylvania for all of your insurance needs.