Thursday, January 23, 2014

Home Insurance Discounts

By Maryl Joop


In today's economy everyone is trying to save a few dollars where they can. Insurance can be expensive and can seem like a substantial financial drain each month when it is deducted from your bank account. Wouldn't it be great if you could shave that total down to a more manageable sum? Luckily, it is possible to reduce the cost of your insurance. Home improvements, increased security, and other updates to your home allow your insurance agency to feel more secure in insuring you. These things often reduce the cost of claims and insurance companies are willing to pass the savings on to you as the insured.

Mold spore and mold colonies can cause serious damages to the possessions in the home as well as to the structure of the home as they crawl up drywall, spread under the carpet or flooring of a home, or attach themselves to the possessions in the home. To avoid the damages to the home, at to avoid having to file a claim to your homeowners insurance in Lawrenceville, GA, a homeowner should understand the dangers of mold and how to avoid encouraging mold growth.

Mold grows in the more moist places of your home, damaging your furniture, walls and floors if it is left uncheck to grow and thrive. It can also harm those within the home who may have allergies, asthma or other breathing difficulties.

The answer is, simply, yes there are deductibles associated with homeowners insurance policies. The deductibles connected to homeowners insurance policies work like those attached to other insurance plans and must be met out of pocket by the individual before the coverage of the policy can initiate financial reimbursements for damages to items included in the homeowners insurance policy.

Additional Savers

The second thing you can do to stop mold growth in the home is to remove sitting water from the room. To do this, find places where water sits or frequently builds up and drain that water or dry it up if it ever builds up again.

Some insurance providers reduce premiums for customers who do not file claims. The longer you go without filing a claim, the more likely you are to see some savings. They prefer to not pay claims and can pass their savings on to you as you continue to save them money.

Place it in the middle of the room to allow it the best chance of gathering moist air. If your air conditioning is blowing, it will push the air towards the center of the room-straight to the de-humidifier; and in places with high humidity, turn it on daily.

Follow these simple steps and you'll protect your home from the build-up of moisture and mold. Your home will stay strong and clean, keeping your family safe and healthy for many years to come.

These and other questions are frequently asked by individuals like Susanne who wish to be armed with the power that knowledge in insurance gives. A person can be better able to navigate their own insurance needs by striving to learn for themselves the various ins and outs of the world of insurance.




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