Security First writes in these counties that most companies will not:
Security First offers a variety of insurance products to cover your home or property and keep you secure.
Credits and deductibles are two more important issues that we find that most people looking for homeowners insurance. Properly applied credits and deductibles allow you to maximize your coverage while minimizing your premium. Paying higher deductibles will reduce your premium amount but some mortgage companies only allow certain limit. Your home can qualify for credits based on the year it was built, the type of construction, having an alarm system, and others.
This can be a huge saving, the windstorm loss mitigation credit. Your home may be strengthened against storms and you may not even know it. Depending on the year your home was built or the mitigation upgrades added to it, you may qualify for significant savings on your premium. Be sure to discuss windstorm loss mitigation with your agent.
When insuring your home, there are some very important issues to consider. One of the most important is insuring your home to its proper replacement value.
In the event of a total loss, you will need to rebuild. To determine the most accurate replacement cost for your home, We have powerful tool that allows our agents to calculate as accurately as possible the construction costs of rebuilding your home.
Homeowners 3 – Special Form Policy: Owner-occupied homes with one or two family units and town homes.
Homeowners 6 – Unit Owners Form Policy: Owner-occupied condominiums.
Dwelling Property 3 – Special Form Policy: Dwelling Fire policies are typically used for residential rental properties but may be owner occupied as well. Contents coverage only is also available. Policies can be written for up to four units in a single structure.
Don Westerfeld 8/7/2011 1:36:00 PMContinue Reading