Hawaii Homeowners Insurance
Hawaii homeowners insurance covers the following:
Home structure - Your homeowners insurance pays to repair or rebuild your home when it s damaged by vandalism, fire, burst water pipes, or acts of nature. It does not pay for damages due to floods, hurricanes, or earthquakes, so if you want coverage for these events you ll need additional insurance.
Personal property - Your homeowners insurance pays to replace your personal possessions - furniture, clothing, appliances, electronics, etc. - when they re stolen or when they re damaged by fire, vandalism, burst water pipes, or acts of nature. Coverage for expensive items like jewelry, gold, and coin collections is limited, so you may need additional insurance for these items.
Personal liability - Your homeowners insurance pays claims for injuries to other people, either on or off your property, when you or your family are at fault. It also pays claims for damages to their personal property.
Get the Best Hawaii Homeowners Insurance Rates
To get the rates on Hawaii homeowners insurance you need to comparison shop. There are websites where you can get homeowners insurance quotes from a number of A-rated companies. These websites have you fill out a simple form with information about your home and the type of insurance you want. You ll then get your quotes and you can choose the best one.
If you have any questions about how much insurance you need, or any other questions, some of these sites offer a service whereby you can get answers online or by phone from an insurance expert. (See link below.)
The difference in insurance can vary by hundreds, even thousands of dollars between companies, so a few minutes spent comparing rates could save you a lot of money down the road.
Some other ways to save money on your insurance are:
Increase you deductible - Raising your deductible to an amount you can afford can save you up to 40% on your premium.
Install safety and security features - Installing dead-bolt door locks, window locks, burglar alarms, smoke detectors, and fire alarms will get you a good-sized discount.
Ask for discounts - Ask your agent for any discounts you may be eligible for and take advantage of them.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Hawaii homeowners insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Hawaii homeowners insurance.
Bookmark it:
No comments:
Post a Comment