Avoiding Risk To Lower Your Insurance
Prudence is a good word to describe how we should live our lives and have lower insurance premiums
. If you take steps that lower your risk, oftentimes your insurance company will see you too. They will reward you with lower premium costs. Here's some general ways to reduce risk in your life.
For homeowners insurance you will want to look at the way you have things in your house. Are you displaying your valuable gold items near windows where everybody could see? Are you closing the blinds at night so that people don't see your new flat screen TV? Argue taking note of suspicious behavior in your neighborhood to prevent crime? These are just some common sense ways to safeguard their safety, as well as the safety of your possessions from theft.
Similarly, for car insurance, are you locking up the car and rolling up the windows? If you live in a high risk area and you are leaving your vehicle for an extended period of time, you may want to get one of those steering wheel locks. They're good deterrence from the petty crook. However, to avoid professional crooks, it probably is just safer to park your car in a closed building. They also want to avoid leaving valuables in plain sight lying around in your car. For example you might put your computer under a car seat and put any cash you have lying around in a drawer.
Common sense needs to prevention. Prevention is the best way to keep your insurance from going up, because even if you file for small claim, your insurance premium will go up. That's just the way it is, and that is why you want to get adequate protection coverage as well. Make sure not to leave out any gaps in your car and homeowners coverage. There are often major exclusions that are applying to standard policies.
You should also help to document your life, so that filing for claims is easier. This will help you give your insurance coverage better protection when you lose items in a theft. For example, Jim has collectibles and stamps. However, most of homeowners insurance policies will have a policy limits. There are lots of caps in coverage when you apply for benefits and, so you should store valuable items that you don't need in your house somewhere else might in a safe deposit box. Jim might only get up to $1000 worth of his stamp collection back, even though his collection was worth 10 times that much. That is because there is a limit in valuable papers coverage. He will lose out on all those first edition comics as well. Why would you leave such valuable materials around? Furthermore, should you insurance these items individually with your homeowner's policy, your premium will probably skyrocket.
So the next time you leave your house, think of ways to deter crime. Keep the lights on, and talk to your neighbors about activity in the neighborhood.
by: Casey Trillbar
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