How can you get great coverage at below average prices?
The home is the biggest financial investment for most people, but your average homeowner in America doesn’t always treat it as such.
Sure, we all do our very best to make sure that our home is in tiptop condition, that all repairs are made when necessary, and that it isn’t just a house but also a home – but a lot of times we sacrifice our potential financial future with below average homeowners insurance simply because it’s the cheapest plan around.
Thankfully though, you won’t have to worry about that headache or hassle any longer.
By using the inside information we outline for you below you are going to be able to effortlessly get your hands on above average coverage at below average prices – the perfect blend of protection and price that so many people really struggle to get their hands on.
Let’s dig right in!
Bundle as many of your policies together as possible
Bundle packages are incredibly popular in the industry today, but they also represent one of the few real “win-win” situations you can find yourself in today.
On the one hand, companies understand exactly how competitive their industry is as well as how expensive it is for them to get their hands on new customers. They are willing to extend significant discounts to existing customers that bring them business all on their own, the kind of discounts that you simply wouldn’t have gotten any other way.
On the other hand, by putting all of your policies under one roof you streamline and simplify your coverage options and you also streamline and simplify the payment process. You eliminate a lot of headache and hassle while getting great coverage at fantastic prices.
This is how you land coverage at prices almost too good to be true.
Increase your deductible
A lot of people are a little bit reticent and a little bit tentative when it comes time to increase their out-of-pocket costs when purchasing a policy, but you aren’t going to want to stress out too much if you don’t have to.
You see, increasing your deductible from something like $250 to $1000 or more will give you a dramatic decrease in the amount of money you are spending on your monthly premiums. It’s not at all uncommon to save upwards of 20% when you decide to boost your deductible as high as you are comfortable taking it.
Make intelligent upgrades to your home
There are a bunch of different intelligent upgrades you’re going to be able to make to your home to really lock in significant savings on it comes to your policy.
A better security system, better windows and doors, advanced smoke and CO2 alarms, and a handful of other extras will help you take advantage of the best NJ homeowners insurance policy around that use you the kind of comprehensive coverage you deserve at a price point that you won’t get anywhere else.
Make sure that you insure your home and NOT your land
There are a lot of people out there that make a major mistake by ensuring they are home AND their property, when really they should only be taking out average coverage of available to protect their home and their possessions.
No matter what happens to your home, the odds are fantastic that the land is going to be left pretty much untouched.
Sure, there are some acts of Mother Nature that can completely and totally transform your property in are (we’re talking about hurricanes and floods here), but your odds of getting struck by those catastrophic natural disasters are astronomically low – and can really only happen if you visit in a very specific part of the country (and it isn’t here in New Jersey).
Be sure that you aren’t paying any extra for coverage that you don’t need
It’s of vital importance that you really focus on the fine print in your contract to be sure that you aren’t spending any extra money whatsoever on coverage that you do not need and wouldn’t be able to take advantage of in the first place.
You’ll want to comb-over this document with a focus on the details, really trying to be certain that you don’t get sucked into coverage that you won’t ever be able to leverage. A lot of policies include this kind of “bloat”, and a lot of companies are going to try and suck you into these extended policies with scare tactics.
Don’t play into the hysteria.
Make sure that you’re getting exactly the right amount of coverage that you need with the best average homeowners insurance NJ protection of available, and stay away from extra expensive policies that include unnecessary ancillary coverage options.