Your rates keep going up. If your insurance rate is going up,
but you aren't making any significant improvements to your home or your
policy, it might be time to shop around. At least call your insurance
company to determine the reason behind the rate hike.
Even if your rates aren't going up, you may hear about lower rates
with other agencies. Do your research and find out if another company
might be a better fit for you.
You've had a life change. According to the Insurance Information Institute,
when you've had a life change (birth, death, divorce) in your family,
you should alter your will, life insurance, and yes, even your
homeowners insurance. Call for estimates from other companies before
negotiating with your own in order to guarantee that you're still
getting the best available rate.
Comparable residences are insuring for less. Insurance rates
aren't usually the topic of discussion at neighborhood barbecues. If it
does come up, though, you may find that comparable residences on your
street are being insured for substantially less than your own. It may be
because of upgrades or items within their home, but you won't know if
you don't ask.
Customer service is falling short. There's more to quality
insurance than the lowest available rate. If you are receiving sub-par
customer service, can't ever get an agent on the phone, or have to
haggle over claims, you might need to consider switching your home
insurance. Don't forget that your insurance company needs you just as
much as you need them -- don't settle for lackluster service.
You're remodeling. If you're making changes to your residence,
you'll need to contact your home insurance agent. Even adding a home
security system can lower your rate. Don't like the new numbers they
throw at you? Shop around for a better rate!
You can get a deal for combining your coverage. You may be
using three different companies for your auto, home, and life insurance
coverage. However some companies will offer a discounted rate for
combining your policies. If you find a reputable company that will
insure all your items in one place, you may want to consider switching
agencies.
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