Check to see if any claims have been made concerning the property you are looking to insure. Also take into accounts any claims you have ever filed on a home insurance policy.
Your credit score can affect your home insurance rates. Check to see if there is any incorrect information which should be disputed.
The weather patterns where you live can determine what special features your insurance policy should have.
A new roof will generally get you a discount on insurance.
An already damaged foundation can mean expensive repairs are coming, and a higher premium to pay.
Older plumbing and electrical can also cause a hike in premiums.
A pool or wood burning stove can increase liability or fire risks and result in a higher premium or the need to carry extra coverage.
Homes located in coastal areas or flood plains will need flood insurance specifically included in their policy.
Almost any house should be covered in case of fire, but some insurance companies will try to exclude it hoping you won't notice.
Some companies will put fire coverage through but exclude smoke damage.
If your home sits on or near a fault, make sure you are covered in case of a quake.
These are common in some areas, and should be insured against.
Coastal regions can be extremely susceptible and homes should be covered.
This is extra liability coverage that protects you in case someone is injured on your property and sues you.
If the city or county you live in mandates a code upgrade, you can be stuck trying to afford necessary renovations. You can purchase a special rider to cover such an event.
You want insurance that will cover the cost of constructing a new home, not just a policy that pays off your mortgage.
You will need to list all of your belongings- not just jewelry and other high ticket items. If your clothes burn up, they will need replacing too. Buy replacement coverage, not market value.
Purchase extra coverage that can cover a rental while you are homeless.
A flat rate deductible is best, and a higher deductible means a lower premium.
You can receive discounts for alarm systems, deadbolts and other security features.
Smoke and CO2 detectors, fire extinguishers and sprinklers can also garner a discount.
If you insure your home and auto through the same company, you can often receive a multi-policy holder discount.
Many companies offer discounts to people over age 55.
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