Home insurance in South Florida can be pretty expensive. Here's 8 different ways to help ease the burden from the We Insure agency in Pembroke Pines. We Insure 8996 Taft Street Pembroke Pines, FL 33024 (954) 431-9423 http://www.weinsureagency.com

2. SHOP AROUND
Different homeowner’s insurance
companies base their rates on very
different factors. Since no two risks
are the same, if your friend or
neighbor has the cheapest price with
Company X, it doesn’t mean you will
too. The only way to find the carrier
with the best rating and pricing
specific to your situation is to reach
out to as many as possible.
The easiest way to shop multiple
carriers is through an independent
agency like ours. An independent
agent works for customers to find the
best rates and can get you multiple
quotes without any of the hassle!

3. DON’T INSURE TO THE MORTGAGE
In many cases, you only need to
purchase enough insurance to pay for
the cost to rebuild your home from a
worst-case scenario like a whole-
house fire.
This dollar amount can be much
lower than the amount you actually
owe to the bank since property costs
include the value of the land, not just
the structure of the home you buy.
Although the bank may urge you to
buy homeowner insurance for the
value of your mortgage, in many
cases they can’t require it.

4. INSTALL A CENTRAL SMOKE DETECTOR SYSTEM
You probably already have smoke
detectors in your home (by the way,
when did you last check them?), but
some insurance companies will
provide more discounts if you install
a central smoke detector system
which integrates with the wiring of
the house and may notify the fire
department in the event of an alarm.
Check with your agent to determine
if a central smoke detector will help
you save even more money on
insurance.

5. QUIT SMOKING
Although saving money on insurance
isn’t going to convince most smokers
to quit, it would be a great benefit to
doing something that will add years
to your life!
If you quit smoking since the time
your insurance policy went into
effect, you may want to notify your
carrier and make sure they are aware
of it.

6. RETIRE
Since retired individuals tend to
spend more time around the house
and would be quicker to notice the
building on fire or deter a burglar, it
will save you money.
The cost savings on your insurance
won’t justify an early retirement, but
it’ll be nice when the income is less
consistent.
If you retired since the inception of
your policy, let your agent know
about it, you’ve got the time!

7. PAY ON TIME
Insurers don’t like to get paid late, do
you? Many will even tack on
additional surcharges or take away
discounts if you are late on a
payment.
Make sure your home insurance
policy always gets paid on time, even
if your mortgage company is handling
the payments directly.

8. RENOVATE PLUMBING, ELECTRICAL, OR HEATING SYSTEM
Especially if you live in an old home,
having a major renovation done to
your property can reduce your
insurance costs.
BE CAREFUL: If your renovation work
is not done by a licensed contractor,
you may have trouble with your
insurance carrier and they may even
drop you! Check with your carrier
beforehand.

9. DON’T FILE SMALL CLAIMS
Homeowner’s insurance exists to
save you from being wiped out
entirely, not from getting a large bill.
The decision to file a claim depends
on repair costs, how quickly the
damage needs to be fixed, and how
much you can afford to pay out of
pocket. It should NOT depend on
your belief that “since I’ve been
paying all these years, I may as well
submit a claim”.
BE CAREFUL: If you don’t file a claim
and don’t repair damage and things
get worse, you may face a much
larger claim that your insurance
company could deny and getting your
insurance cancelled.

10. We Insure - Pembroke Pines, FL
WeInsureAgency.com
We Insure
8996 Taft Street
Pembroke Pines, FL 33024
(954) 431-9423