Homeowner's Insurance: Let's Look at Upgrades and Discounts

Sometimes, as builders, we forget that homeowners often see their homes through different lenses. Realizing this, we solicited questions from our audience.  The homeowners!  In today's world, saving money is important, and sometimes savings come in unexpected places.  Homeowner's insurance!  John Smith, State Farm Insurance Agent in Mt. Dora shed light on home upgrades that warrant discounts on homeowners' insurance policies.  Check out his website: myagentjohnsmith.com

Discounts

It is no secret roofs in disrepair can wreak havoc on a home.  So, roofs offer the greatest discounts on policies.  John explained that adjusters focus on discounting roofs replaced after 2003.  In surveying a home, adjusters look at how the roof is attached, and the type of roof such as a hip roof versus a gable roof, noting that each roof may vary, and discounts vary depending on the company.  He recommended getting a wind mitigation survey completed when a new roof is installed.  This determines discounts.  However, if a survey was not done at the time of installation, it can still be done after the fact and discounts still apply based on findings.

Adding a security system that connects to a central station, including fire, smoke, and burglar alarms to a home may provide an another discount. The average yearly savings ranges $40-$50.  Furthermore, there is peace of mind.   

Coverage Considerations 

John offered other advice that does not necessarily result in discounts but could determine if an insurance provider will provide coverage on a home.  In fact, often insurance providers require a 4 point inspection for homes older than ten years, inspecting plumbing, roof, HVAC, and electrical aspects of the home.  For example, some electrical panel boxes may require upgrade in order to secure coverage.

 Homeowner's Insurance is a necessary investment to protect your most important asset--Your home. Talk to your insurance agent, get sufficient coverage for your needs, and give E. P. I. C. Home Professionals, LLC a call to help with any upgrades!

 www.epichomepros.org

Comments

  1. AnonymousJuly 12, 2020 at 10:30 PM

    Hello everyone on here my name is Fumo Sadiku living in Malindi City Kenyan I want to tell a little more about a good hearten man called Benjamin Breil Lee working with funding service as loan officer, Mr Benjamin Breil Lee helped me get a loan of 37,115,225.00 Shillings on my trying time trying to get back on my feet to raise my business I know there are some of you here who are in financial difficulties to talk to Mr Benjamin on what's app +1-989-394-3740 Or  also with his personal E-mail on lfdsloans@outlook.com I'm so glad for what he did for me and for his Bank accountant as well Accountant Hernandez Lucas Thank you very much for your work well done.

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