Ways to Lower Your Homeowners Insurance Costs

Did you know that the number on recommended way to save money on your Homeowners insurance is to Shop Around? That is why Express Insurance works for you. We do the work for you and shop  through some of the highest rated insurers to get you the best rates.

Enough Coverage?

Make sure you have enough insurance to cover the cost of rebuilding your house at current construction costs. To figure out the amount of coverage needed, take the total square footage of the house and multiply by current local rebuilding costs per square foot. For example: A 2000 square foot home with local rebuilding costs of $150 per square foot (2000 * 150) comes to $300,000 of dwelling coverage.

Taking Home Inventory

If you have been setting up a household, starting a home inventory can be relatively simple. You could even attach recent wedding registries to substantiate new possessions. But, if you have been living in a house for many years, this task may seem daunting. If you set aside an afternoon and get your entire household involved, it can be an enjoyable experience. It is much easier to document your possessions before you suffer a loss from a fire, hurricane, burglary or other disaster.

Big Ticket Items

Make note of expensive items, such as jewelry, furs, and collectibles. Valuable items may need separate insurance. But, don't forget more commonplace items such as toys, CD's and clothing.

Taking Photographs

Along with the written information, consider adding photographs of your possessions, which can be done easily with a digital camera. Those with film cameras can scan print photographs or have their film developer save the images to a disk. You can always simply store your print photographs with a copy of your inventory.

Videotape It

Walk through your house or apartment videotaping the contents. Remember to open drawers and closets. One advantage of videotape is that you can narrate what you are filming.

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