We all are looking for things that cost less, but never want to sacrifice quality. It’s really a double-edged sword, and often times, as we know, we get what we pay for. Now while that may be the case with a five dollar pair of sunglasses that snap in half after only a month’s use, the same is not true for CT Homeowners insurance coverage.
You can find excellent service with regards to homeowners insurance, without paying an arm and a leg. Now while some doubt that statement, it really is true. Now, it’s not just going to magically appear out of thin air, you need to do your homework, research, and then you’ll find the perfect coverage at the perfect price.
So what can you do then to achieve this goal? Well look no further than below:
1) Look around. Just like you would compare car prices or TV prices at different dealers and retail stores, insurance is the same way. See what the going rates are for the type of coverage you’re looking for.
2)Two words- High Deductible. Now, if you’re a seasoned Paradiso Insurance blog reader, then you already know this one. Having a high deductible can save you upwards of ten percent off of your premiums. Now, this is the case if you can afford the increase in the event of a loss. If you can’t, then think about other routes
3) Use your math skills and calculate! Remember, it’s not how much you paid for your home, it’s the cost of rebuilding your home in the event of a loss. The land underneath your home, although factored into the purchase price, really doesn’t make a bit of difference in the world of insurance. Unless you’re in a unique situation, such as an elevated beach house where washouts can occur.
4)Simple Ask! That’s all you have to do when it comes to insurance is ask about any discounts available that you or your family may be eligible for. How do you know you can qualify for a discount if you never ask about it in the first place?!
So hopefully these few brief tips will help you better gauge the CT homeowners insurance market, so that you can find the best coverage possible for you home, so that you and your family can rest assured that you’re insured.