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Homeowners Insurance Information
Save Money on Your Homeowner's Insurance Now
  • Increase your deductible to a minimum of $1,000 could save up to 20%
  • Pay small claims out of pocket to keep your claims frequency down
  • Installing an alarm system can save you up to 15% annually

Are you buying a home?


  • Homes within 1,000 feet of a fire hydrant will get the best rate on their insurance
  • Homes within 5 miles of a staffed fire department will get a better rate on their insurance
  • Homes over 5 miles to a staffed fire department and without a fire hydrant within 1,000 feet will pay the highest rate for insurance
  • Properties located within a half mile of the Bay will pay a higher premium
  • Secondary and Seasonal Homeowners will pay more on those policies for insurance than Primary Homeowners
  • If the carrier that writes the Primary property is willing to write the Secondary or Seasonal property, it may cost less to have the same company insure them both
  • Most companies offer discounts for new homes, the newer the home, the bigger the discount. Up to 20% in some cases
  • Older homes need to be updated within the last 20 years


Before a Loss


Take an inventory of your personal property at home. Pictures are helpful in doing this. Save the pictures and inventory to a disc and store it away from your home. The following link is a sample House Inventory Worksheet that can be used with any insurance carrier. Add your content here


Loss Prevention


Preventing Fires in the Home

  • Install smoke detectors outside bedrooms and on each floor of the home, including the basement and check them once a month
  • Replace the batteries in your smoke detectors once a year and replace the detectors every ten years
  • Do not leave the stove unattended while cooking, even for a minute
  • Turn pot handles inward to prevent children from grabbing them
  • Hide matches and lighters
  • Have a fire extinguisher in the home and inspect it every 30 days
  • Use surge protectors on your electronics
  • Unplug television sets and other expensive electronics when you know a storm is coming


Preventing a Loss When You are Away


  • Turn water off before leaving
  • Have someone check the house every few days to make sure the heat is working
  • Shut off the breakers to the water heater, stove, and electric clothes dryer
  • Prior to leaving, clean out gutters and rain spouts, if they are clogged water could back up into the house
  • Make your house look occupied,
  • Never leave Christmas trees or wreath lights on and unattended
  • Load your car in the garage so that others do not see that you are leaving


Preventing Thefts

  • Barking dogs can deter burglars, post a beware of dog sign on your property
  • Install motion detectors outside
  • Close all windows and doors when you are not home, even if you are gone for just a few minutes