Homeowner's Insurance Check Up

We recently checked in with Audrey Hoszkiewicz of Ludlow Insurance for some information that may prove helpful in securing the best pricing for your insurance policies.

Did you know that if you have multiple policies with the same carrier you may qualify for a discount?  Some carriers offer discounts for other reasons as well:  Are you non-smokers?  Are you retired?  Do you have a central alarm system for smoke and intrusion?  How about a low temp alarm?

If you write a policy with higher deductibles, this will bring down the cost of the policy.  Newer homes are apt to be rated in such a way that premiums are lower.  Not to worry, if you have an older home and you make significant improvements to the systems of the house (roof/wiring/plumbing, etc), you, too, will benefit.

On the flip side, you may find that you can not get coverage from certain carriers if you have certain breeds of dogs, or a trampoline, or an underground oil tank.  If your home has knob and tube wiring, fuses, or 60 amp service, you also may find it difficult to obtain coverage.  Lastly, if you have had significant claims, or a lapse in coverage, you may find it difficult to obtain a policy. 

You can contact the folks at Ludlow Insurance at 228-8823 or your local agent for more information.

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