COVERAGE

As you look into homeowners insurance, you’ll see that there are varying levels of coverage. In the case that you’ve dealt with insurance before, then you know this is pretty standard. When it comes to your home, you recognize it’s value, but what you may not fully understand is what each level of coverage is going to provide your home. Spending time to understand the different levels of coverage can be time-consuming, but it’s also extremely rewarding. The better understanding that you have of your coverage, the more likely you are to be happy with what you’re getting from your insurance coverage. While the amount that you’re paying is something you’re inevitably going to be concerned about, make sure that your priorities are covered in the insurance policy that you’re looking at purchasing.

REDUCE PREMIUMS

Saving money is always a great deal, and when you find the different ways that you can do so with regards to your homeowner’s insurance, it feels like your lucky day. Understanding your way around premiums is great, and in the long run, will often provide you with an even safer setting in your home than before. For example, fire alarms. These are always in your home and can seem like a task to replace the batteries and toy around with, but did you know that having fire alarms that work and are up to date can actually reduce your premiums? Understanding what types of opportunities you have to work around premiums will be something that you will definitely find beneficial. You can ask your insurance agent about this when you start the process of finding that perfect fit.

CLAIMS

Every plan will have different standards with their claims, and this is a huge area that you’re going to want to understand before committing to an insurance plan. Some policies and coverages will provide you with a limit of claims that you can file as well as time frames and guidelines that need to be met in order for a claim to be accepted. For example, you may be required to file a claim within a certain amount of days in order to receive coverage on it, or your damage may need to reach a certain level before you can get assistance with it. Similar to a deductible, you are going to want to consider what is reasonable for you and what you can manage working with. If you want to eliminate the worry of a timeframe or minimize the amount of damage that would allow for a claim, you can work with your insurance agent so that you find a happy place with your insurance and can ultimately get the coverage you need without learning things the hard way.

Aside from these three things, we know that there are plenty of questions that you likely have so that you can get the best coverage available to you. When you sit down with us, we will work through the various options and questions that you have so that you do feel comfortable moving forward with your purchase.

Security Insurance Group knows that there is so much that goes into the policy that you’ll have for your home, and seeing as how it is your home, the last thing that you want is to have a policy that you’re not comfortable or familiar with. Let our team help you with the process. We can sit down with you and cover the various coverage packages that you will be able to invest in, and the priorities that you have for your insurance. Call our office here in Fort Collins and let us schedule an appointment for you today!