Why Keeping Your Home Safe Is Great For Insurance Costs

​Having home insurance is not an excuse to be complacent with your home, but rather a reason to keep it safe. Insurance experts will always tell you that a safe house means getting great insurance. 

Simply put, to keep your existing insurance policy at a low cost, you need to keep your house and properties safe. Your insurance will be at a higher cost of there are a lot of risks that should be covered. Minimize these risks and you then minimize the cost of your insurance. 

Also, if you have expensive jewelry, a big pool, or a fireplace, your insurance will be typically higher than the basic one.

Insurers take into consideration the risk that is currently existing or potentially could happen in your house. This could be the following:

• Potential fire - Smoke alarms should be a standard in every house. Fire damage, the most expensive in terms of insurance claims according to a 2018 study of the National Association of Insurance Commissioners (NAIC), can take away both your houses and properties. 
  
  
• Weak roof - A roof is always exposed to the elements. According to the NAIC, wind and hail damage are one of the most recurring claims. It is the structure that protects you and everything inside (even the whole house) so having it regularly checked is a must.
  
  
• Water problems - One broken pipe can cause a lot of damage. In fact, it was found that water claims above $500,00 have doubled since 2015. That is why a smart water system with an auto-off feature can be useful in the long run.
  
  
• Hacking - Your financial and personal information online are also your property. Should a hacker got hold of your credit card information, irreversible damage can and will happen. Install a high-security firewall to protect your family’s online activities from hackers outside.

All of these could be prevented if a homeowner is ready for any house and property-related problems in the future. You also need to acknowledge that no amount of preparation could spare you from these risks. 

However, it pays to lower the chance of risk and boost the things that will protect your home from being seriously damaged. 

At Black And Associates Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE.