As a homeowner, you might be pretty content with your Atlanta home insurance. Maybe you don’t think about it too much, or maybe it falls into the “out of sight, out of mind” category. But what if there are a few things that could improve your insurance situation in the form of lower insurance rates? Intriguing, right? There are a few things that could really help when it comes to your insurance. If you’re in any of the following boats, you might want to think about your homeowner’s insurance.
5 times your home insurance situation could get better.
1. Getting married.
Getting married is exciting, and it’s an occasion worthy of congratulations. It’s a really important milestone and it’s worth checking into your insurance situation with your partner. There’s a possibility that you’re in a position to get better home insurance rates. Tying the knot can be helpful to your home insurance situation for that reason, but you could be in a great place if you’re buying a home with your partner. Maybe home insurance companies offer discounts for being a new customer when you’ve bought a house. So, that’s something that you may want to look into if you’re a newlywed and you’re looking for home insurance.
2. Raising your credit score.
If you’ve been working hard at improving your credit, that can also be a good thing for your home insurance. Your credit score can be a factor in determining your home insurance rates, so if you have a better credit score you could see better premiums. (And a poor credit score can lead to some not-so-great insurance rates.) So, it’s important to work on keeping up good credit. You can see it pay off when it comes to your insurance, so if you’ve seen your credit score get better, don’t keep it to yourself. Use it to your advantage and see if you can score better insurance rates.
3. Having a new roof.
Your roof might just seem like the convenient hat that keeps the rain out of your house, but it’s more than that. It takes the biggest beating when it rains, when it snows, when there’s sleet, and all of that nasty weather. A sturdy roof is likely going to be more effective at protecting your home than an old roof that’s weathered many a storm (literally). So, lots of insurance companies offer discounts for homes that have recently gotten new roofs made of certain materials that will hold up well in the midst of a storm. If you’ve gotten a new roof recently, don’t forget about your insurance. You might find that you’re in a better insurance situation.
If you also need auto insurance, you might want to consider getting your home insurance and car insurance from the same carrier. (This is called bundling in insurance-speak.) There are a few reasons to consider bundling. First of all, it’s convenient because you’re only dealing with one insurance company. (The fewer people you have to contact to deal with your insurance, the better, right?) So, there’s that. But the other great thing about bundling is that a lot of carriers offer discounts if you get more than one line of coverage from them. And that means that you could save money over getting these two coverages separately. You may want to give it some thought and see if this is a good option for you.
Another thing that could help your insurance situation is if you’ve gone a long time without having to file an insurance claim. Being claims-free can earn you another discount – you could see lower premiums. So, having a clean claims history is something to be quite pleased about, and not just because it means you haven’t had anything go wrong with your house. You may find yourself in a better insurance situation if you haven’t had claims, so keep that in mind.
So, these are just a few things that could help you find yourself in a better home insurance situation. It can also help to get Atlanta home insurance quotes, and our team can help you with that. We strive to make insurance easy and help people save money on their insurance. Get started with your quotes for Atlanta home insurance by filling out our online form, giving us a call, or messaging us in LiveChat.