Many homeowners assume that purchasing this necessary policy will be a costly decision, but this is not always the case. Insurance companies often provide substantial discounts to policyholders who take preventive measures. In fact, they reward such behavior by offering a lower premium rate when owners take simple steps such as installing a burglar alarm or indoor sprinkler system in case of fire. These discounted rates encourage behavior that reduces the number and cost of claims.
Industry experts encourage homeowners to ask their agent which types of cost-saving measures are available and if the system is company approved.
One way to ensure the health of your property, while also receiving potential insurance discounts, is by conducting an annual leak inspection home audit of your plumbing infrastructure. American Leak Detection offers a curb to back fence 15+ point checklist inspection when an expert technician can examine every area of your property for potential problems before issues arise. Many leaks are hidden beneath the surface or behind walls and are not visible until water, stains or mold surface.
It’s important to be aware of the fact that floods are not covered by a standard home insurance policy. You can take preventative measures today to reduce your insurance costs and avoid a headache later.
For more information, check out this informational video describing different types of homeowners insurance: http://www.youtube.com/watch?feature=player_embedded&v=GQ1MH7iCQrE#!