We are getting closer to the peak holiday shopping season. We would like to provide all our clients with a few reminders about how to be safe and to prevent your gifts and other purchases from being stolen. Shopping during the holiday season can present un

Homeowner’s Insurance
 
Prior to finding you the best quote for home insurance, we always ask about smoke detectors and security systems in your home. Many insurance companies offer discounts for those homeowners who have security systems. Here are few of the different kinds of security systems that can help reduce your home insurance costs.
 
1.Outside lights- Set these up on timers so they come on even when you are gone. Also, motion detecting lights are an excellent deterrent and can be installed at a low cost.
2.Cameras are also a good deterrent.  Place cameras around outside doors and your yard. Many home improvement stores offer cost-effective products.
3.Alarms are always a good idea. Alarm systems that are connected to a central station will yield the best discount.
 
Other Home Insurance Credits
 
Most insurance companies offer many types of discounts for homeowners. We are committed to keeping up on all these discounts to make sure you are getting the best coverage and price. Some of these discounts can include:
 
1.Gated communities
2.Community security
3.Updates in wiring and/or plumbing
4.New roof
5.No claims
6.Non smokers - The No. 1 cause of home fire fatalities in the United States is smoking.   Smoking caused 16,000 residential fires in 2012, killing over 500 people and causing $376 million in residential property loss. Source- U.S. Fire Administration
7.Sprinklers- Many new home building codes require sprinklers. These can be expensive but will provide home insurance discounts.