| Save Money on Homeowners Insurance by | | | | You can prevent home losses by fire- and |
| Preventing Major Damage | | | | waterproofing your home. Ensure that your electrical |
| The first step in obtaining sufficient homeowners | | | | and plumbing systems are up-to-date and that your |
| insurance is doing an inventory of your possessions. | | | | roof is in good shape. Install some smoke alarms, fire |
| In the event of a home fire or another major | | | | extinguishers, and even an indoor sprinkler system. |
| mishap, an accurate inventory will enable your | | | | You can also keep your home and possessions |
| insurance company to satisfactorily compensate you | | | | protected by burglar-proofing your property. Install a |
| for damage and losses, and you won't have to rely | | | | burglar alarm, impregnable doors, deadbolt locks, and |
| on your memory to list every item that was | | | | shatterproof windows for good measure. Make sure |
| damaged beyond repair. The time you spend taking | | | | you report these safety precautions to your |
| inventory will pay off in serenity and knowing you | | | | homeowner insurance company for any possible |
| have guarded yourself from loss. | | | | reductions in your premiums. |
| Documenting an inventory of your home can start | | | | Initiating an insurance claim isn't cause for alarm |
| off simply. Notebook in hand, list your favorite | | | | Before you ever need to file a claim, it would be a |
| possessions, ensuring that you include the most | | | | good idea to find out your insurance company's |
| costly and expensive items. Also, record the serial | | | | policies and procedures for doing so. If you fail to find |
| numbers of your electronic devices. Taking | | | | out the claims procedure before you need to know, |
| photographs or videotaping the rooms in your home | | | | you will have to call your homeowner insurance |
| and the things in each room is also very helpful. Keep | | | | company quickly when the disaster happens to learn |
| the receipts for your most costly items in a safe | | | | what you need to do. It's also a good idea to |
| place, and remember to keep your home inventory | | | | photograph or videotape the mangled or ruined items |
| current to escape paying higher premiums than you | | | | or areas of your home struck by catastrophe. |
| ought to. | | | | Despite the many steps you've taken to forestall |
| Earn discounts on your insurance premiums by | | | | loss, sending in a homeowner insurance claim is |
| circumventing losses | | | | sometimes necessary. Don't hesitate to file a claim |
| Homeowner insurance companies value it when you | | | | when it's called for, since that's why you purchased |
| take steps to protect your home and prevent losses. | | | | homeowners insurance. Filing an insurance claim won't |
| They feel better about insuring a home when real | | | | necessarily raise your premiums, and anyway, why |
| estate owners expend effort to protect their | | | | pour money into a service if you never utilize it? If |
| investment as well. Not only does this assist you in | | | | you've done all you can to forestall losses and they |
| obtaining homeowners insurance, but it also helps you | | | | take place nevertheless, document the damage, then |
| get inexpensive rates. After all, if you're lax with your | | | | hang back and let the claims adjuster deal with the |
| property, why should the insurance company act any | | | | rest. |
| differently? | | | | |