call your insurance agent to see if you can get insurance discounts

15 Common Homeowner’s Insurance Discounts to Ask Your Agent About

Being a homeowner can be hard work. There’s a lot to think about – what color to paint the walls, how to arrange the furniture in the family room, what kind of light fixtures to put in the hallways…and then, of course, there’s home insurance. If you’re going through the process of buying home insurance, you might be holding your breath and bracing yourself for the cost.

But we’ve got good news: you can save money on your home insurance.

There are these magical things called discounts that can knock the price of your homeowner’s insurance down. We’re going to explain about 15 home insurance discounts to ask about.

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hurricane damage

Hurricane Season Is Here, Make Sure Your Property Is Protected

When hurricane season comes around every year, you’re bound to hear some intense local stories of flash flooding and thunderstorms. Therefore, now is the right time to make sure your home is protected from hurricanes.

While your homeowner’s insurance policy may cover some of the flood damage, it will not offer full protection against the investment losses. So, instead of startling yourself with an unpleasant revelation by the insurance provider that your policy doesn’t cover any or all hurricane damage, it’s best to look for appropriate coverage.

This is where flood insurance comes into play. This post explains how adequate flood insurance can protect your home during hurricane season from damages.

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The Rise in Construction Material Costs Can Impact Your Insurance Claims

The increasing prices of construction materials have become a threat to many policyholders. Even though soaring prices are well-documented, it is essential to watch out for the trend and its possible implications.

As per the Associated Builders and Contractors analysis, the latest costs of materials has increased by 73 percent since 2020. This change in costs has increased the price of single-family houses by $36,000. In fact, the recent reports indicate that these prices have hit $1,500 per thousand for the first time in the housing market’s history.

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Generally home insurance covers falling trees.

With Hurricane Season Starting, Now Is the Time to Take Down Your Dead Trees

Now that hurricane season here, it is time to take down those dead trees surrounding your home. Waiting to address this issue may cause you a lot of money in property damages due to strong winds and storms. And the worst part is that your insurance may deny your claim to cover the cost due to the damage caused by a natural disaster.

This is one of the hurricane-related damages you can prevent if you know the existing threat the trees pose to your property. So, get your thinking cap on and start taking a look around your house to see which of the trees may need removing.

If you believe that some of the trees are quite high and may pose a danger of falling onto your home due to strong windstorms you may need to have someone prune them. Talk with a local tree removal company and see what trees are dead or pose a threat to your home.

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smart gadgets

Smart Gadgets You Need for Your Home

Modern-day homeowners prefer to maintain a state-of-the-art household with the latest smart gadgets and appliances. Thanks to the Internet of Things (IoT), you can now connect your appliances and gadgets with your smartphone for remote access.

Do not think of smart gadgets as a waste of money; they can actually add value to your home’s resale value. For instance, having smart garage doors or a smart heating system will help you get more money for your house. 

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If the water damage was caused by something gradual and ongoing, it will most likely not be covered.

Does Your Home Insurance Cover Water Damage?

Regardless of the cause of the water damage in your home, it can cost you a significant amount of money. Though there can be numerous reasons of water damage, pipe burst, severe weather, and floods are the common ones. It can also affect your home in the form of sneaky leaks such as drip outs and condensation.

According to some recent data, one in fifty insured homes file claims for water damage each year. If you leave water damage untreated, it may lead you to several other problems including foundation cracks and mold. This makes finding out if your homeowner’s insurance covers water damage or not extremely important.

Here is everything you should know about water damage claims (when it is covered and when it is not).

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trampoline safety

Getting a Pool or Trampoline May Lead to Higher Homeowner’s Insurance Costs

When was the last time you reviewed your homeowner’s insurance policy?

If you haven’t for quite a while, now would be a good time to do it and find out whether your house has decreased or increased in value. In fact, it is one way to prepare you for the due property taxes.

Although you may have kept the coverage in place, it may increase your homeowner’s costs if you have made any purchases or upgrades such as trampoline or an aboveground pool.

Of course, the purchases seem like good additions and make your home more relaxing and livable; however, they often lead to higher homeowner’s insurance cost. This is perhaps the reason why experts emphasize on considering your insurance policy before adding these fun elements to your home.

If you’re interested in learning more about how home improvements may increase your homeowner’s insurance costs, keep on reading.

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house for rent

How to Put Your Property up for Rent in Atlanta

Most people consider Atlanta the main hub of the South because of its scenic and strategic location. The bustling city has rising numbers of workers and tourists, making it an attractive haven for many realtors and property investors to rent in Atlanta.

If you’re a property owner in the area, ensuring that your home quickly fills up or has occupants to prevent any interruption in rental income is essential. You can advertise or list your property yourself or hire a real estate agent to do the job.

Either way, knowing useful tips to put up your property for rent in Atlanta is important to succeed.
Here, we have listed some tips to help you prepare.

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Is your home really safe with insurance?

Having homeowners insurance is important, but is your home really safe and sound with your homeowners’ insurance policy? Homeowners insurance is supposed to protect your home from property damage and other losses. It should also include a liability provision in case someone is injured while on your property. While this sounds good, there are some things that may not be covered:

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