Pam's Insurance Site

About Me

Pam's Insurance Site

When I bought my first house, I was already going into a lot of debt. I didn't have the money to seriously insure it, so I bought only the bare minimum without consulting an insurance professional. That was a big mistake on my part. It could have turned out alright. That is, if my house hadn't been in the path of a huge storm. Huge gale winds knocked a tree down straight through my roof. My house was practically destroyed, and my minimal policy didn't cover nearly enough. I spent years and years trying to get myself out of that financial mess. Since then, I have always been very cautious in learning about insurance and talking to the real professionals.


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Qualifying For The Best Home Insurance

It is very important for you to have the best possible homeowners insurance. There are many families that decide they want to save a few dollars a month by getting a low quality policy, but that type of policy may come back to haunt you. The best thing that a person can do is find the best policy for the least amount of money. There are a few things that you need to remember when it comes to your homeowners insurance. Here are just a few of the different aspects that will affect the amount you pay for you policy. 


You are going to be paying for your insurance through what is called an escrow. This means that it is wrapped up with your actual house payment. However, the insurance company will look at your credit history to help determine how much they charge for the policy. The insurance provider will expect payment each month, and your credit history shows how well you have been in the past with your payments. If your credit is low then you want to work on improving your score. There are different agencies that can help you analyze and proceed with the best plan on how to improve your score. If your policy is determined by a low credit score, after you improve your score then you may qualify for a better price on your policy.


There are a few different locations that the insurance company will be concerned with . The first thing that they want to know is the neighborhood. If your home is in a neighborhood that has a history of crime then you will pay extra for your policy. The insurance company will also be concerned with the region that you live in.If you live on the Gulf Coast then you can expect to pay more because you will need flood insurance. The location of your home on a region scale will be taken into consideration.


Any way that you can increase the safety of you home may qualify you for your a cheaper rate. Some of the best ways to increase the safety of your home is investing in a security system. If you do in fact get a security system, you will want to include a fire alarm as well. A security system that includes fire protection can improve the safety of your home, and can therefore save you money on your insurance. 

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