Fairfield, Ohio
2794 Mack Road
Fairfield, OH 45014
(513) 860-9100

3 Ways to Get More Value Out of Your Home Insurance Policy August 4, 2017

Fairfield, Butler
3 Ways to Get More Value Out of Your Home Insurance Policy, Fairfield, Ohio

Home insurance is designed to safeguard your biggest financial asset. Although it’s likely you understand why it’s an important purchase, you may not know how to maximize your policy to its full potential. By doing this, you will ensure you have all the protection you need while getting the best premium rate possible.

The professionals at Lighthouse Agency have helped many Fairfield, OH, residents navigate the insurance shopping process smoothly and find the coverage that’s most suitable for their unique situation.  Below, they explain a few steps you can take to make sure you get the most out of your homeowners insurance policy should you ever have a reason to file a claim:

Learn Exactly How Much Your Home Is Worth

Before you buy home insurance, one of the first things you must do is find out exactly how much your property is worth. This will determine the amount of coverage you will require to rebuild if your home is destroyed or seriously damaged in a disaster.

Don’t Undervalue Your Personal Belongings

Ihome insurancet’s crucial to get an accurate estimate on the value of your personal belongings. All too often, homeowners underestimate what it would take to replace their possessions if they were ruined or stolen. Take a thorough inventory of your items, keep it updated with new purchases, and schedule valuables that exceed your policy limits.

Ask About the Wide Variety of Discounts Available

Consult with your insurance agent on all the different ways you may be eligible to receive discounts on your premium. Things like increasing your deductible, installing fire alarm and security systems, and bundling your policies can all help to reduce your home insurance costs without compromising on the quality of your coverage.

Over the years, your needs may change, so it’s essential to review your home insurance policy from time to time to make sure you still have adequate coverage. Contact Lighthouse Agency at (513) 860-9100 to request an insurance quote, or visit them online for additional information. 

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