Checklist of Homeowners Insurance Credits

iStock_000014515907XSmall.jpg

Homeowners Insurance Credits - are you getting what you should from your insurance underwriter? Most Homeowners Insurance markets have the ability to obtain certain credits to the homeowners Insurance Premiums. Unfortunately, most insurance agents provide underwriters all the correct information that would allow their clients to qualify for these homeowners credits on their homeowners insurance.

Here is a brief checklist of homeowners insurance credit items to discuss with your insurance agent. Verify that your agent knows which items you have from the list below, as they could potentially reduce your insurance premium:

  • Combination of Multiple Policies: Home + Auto+ Valuable Articles Floater+Umbrella
  • Homeowners + Valuable Articles
  • Gated Community
  • Gated Home
  • Full Time Caretaker
  • Back-up Generator
  • 24 Hour Armed Security / Security Patrol Service
  • On-Site Cameras / Personal Property Surveillance
  • Monitored Security (Burglar & Fire)
  • Alarm with Signal Continuity (Battery & Wireless)
  • Home Vault / Safe Room wired to Monitored Alarm
  • Jewelry Stored in Safe Deposit Box
  • Deadbolt Locks
  • Smoke Detectors
  • Hail Resistant Roof - “Class 4” Roof covering - must have roofer provide you with a certificate
  • Lightning Protection
  • Shatterproof Windows
  • Storm Shutters
  • Interior Sprinklers
  • Water Detection Sensor (HVAC system)
  • Water Flow Alarm
  • Water-Valve Shut Off
  • Temperature monitor
  • Gas Leak Detector
  • Emergency Gas Line Shut-Off
  • Fire Station within 5 miles
  • Fire Hydrant within 1000 feet
  • New House Credit within 7 years

Our hope is that all of our customers are earning the premium credits they deserve on the insurance they currently carry.  If you have any questions about the value of the credits or your insurance underwriter, please contact us today.