IMPORTANT MESSAGE FOR OUR CUSTOMERS:

As of Monday, June 15, 2020, we are re-opening our Barnegat, Long Beach Island, and Manahawkin offices to the public. In the ongoing effort to keep our customers and our employees healthy and safe, we are taking extra safety precautions regarding cleaning and social distancing.
ANYONE COMING INTO ANY OF OUR OFFICES WILL BE REQUIRED TO WEAR A MASK.
Thank you for your continuing patience and understanding during this time. We look forward to seeing you!

10 Ways to Lower Your Homeowners Insurance Costs

  • Raise your deductible . If you can afford to pay more toward a loss that occurs, your premiums will be lower.
  • Buy your homeowners and auto policies from the same company. You’ll usually qualify for a discount. But make sure that the savings really yields the lowest price.
  • Make your home less susceptible to damage . Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area.
  • Keep your home safer . Install smoke detectors, burglar alarms, and dead-bolt locks. All of these will usually qualify for a discount.
  • Be sure you insure your house for the correct amount . Remember, you’re covering replacement cost, not market value.
  • Ask about other discounts . For example, retirees who are home more than working people may qualify for a discount on theft insurance.
  • Stay with the same insurer . Especially in today’s tight insurance market, your current vendor is more likely to give you a good price.
  • See if you belong to any groups —associations, alumni groups—that offer lower insurance rates.
  • Review your policy limits and the value of your home and possessions annually . Some items depreciate and may not need as much coverage.

See if there’s a government-backed insurance plan . In some high-risk areas, such as the coasts, federal or state governments may back plans to lower rates. Ask your agent.

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Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS® . All rights reserved. www.REALTOR.org/realtormag

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