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Title: Home Insurance – To Claim Or Not To Claim?
Author: Julian Adams
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A lot of people keep their home insurance policies in order to
claim some of the repairs that need to be made on their homes.
But is that really what homeowners insurance is for? If you are
deciding whether or not to file a claim for that broken window,
missing piece of jewelry or the repairs for replacing the ten
shingles that blew off in the last storm, here are some things
to think about.
A lot of times if you file a claim on your home insurance
policy, your rates are going to go up. So how do you know
whether or not it is even worth it to pay the deductible and
file a claim over something small?
The answer to this question really is to ask yourself another
question. The question that you are going to ask yourself is
whether or not you want homeowners insurance to pay for major
things, or whether you want your home insurance to be there for
you regardless of the cost of continuing this insurance?
One way to find out the answer to this second question is to
look at your deductible. For a lot of cheap home insurance
policies, you are going to have a deductible somewhere between
$500 and $1000. Replacing the glass in a broken window is only
going to cost you a fraction of that deductible, and even if you
break all the windows in your house, it may just be simpler to
pay out of your pocket. A cheap home insurance policy is going
to ensure that you get protection for your house if something
catastrophic happens, not if something minor happens. By putting
too many claims in, you risk your policy rates going up, or even
worse, being canceled.
If something does happen, you shouldn't be afraid to put a
claim into your home insurance company. After all, that is what
they are there for. The first step is to take a look at your
policy and see what your time limits for filing a claim are.
Usually, if you pay your entire home insurance premium on an
annual basis, you are going to find that you have a whole year
to file a claim. If that is the case, you are pretty lucky
because it is going to be easy to determine whether or not to
file a claim. The reason is that you are going to save all of
your receipts for the broken windows, leaky roof and other
problems that you might have claimed individually and add up the
costs of them at the end of the year. A lot of times, you may be
only getting back $100 after paying the deductible, but in
return for filing a claim, your premium is going to go up $72 a
year. If that is the case, you may just want to not file the
claim.
Finally, one tip is to become friends with your home insurance
agent. This agent is going to be able to give you advice on
whether or not to file a claim. If you are good friends with him
or her, you are going to be able to know what to do in these
situations. Don't forget that for a lot of people, the whole
reason for home insurance is to make sure that everything is
insured if there is a major problem, not for the minor day to
day accidents.
About The Author: Quoteme.ie is Irelands leading specialist
broker dedicated to providing their clients with home owners
insurance online. To find out more about
http://www.quoteme.
then check out our cheap home insurance online.
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