Logo
HOME AUTO LIFE COMMERCIAL
"INSURING TODAY'S EVERY NEED"
Call For A Free Quote or 2nd Option
954-680-0360
☰ ˟
  • Home
  • Personal Insurance
    • Motorcycle Insurance
    • Homeowners Insurance
    • Life Insurance
    • Condo Insurance
    • Association Insurance
    • Disability Insurance
    • Renters Insurance
    • Personal Umbrella Insurance
    • Auto Insurance
    • Hurricane & Windstorm Insurance
    • Flood Insurance
    • Inland Marine Insurance
    • Watercraft Insurance
    • Whole Life Insurance
    • RV Insurance
  • Commercial Insurance
    • BOP Insurance
    • Contractor Insurance
    • Distributors Insurance
    • General Liability Insurance
    • Commercial Property Insurance
    • Cyber Liability Insurance
    • Manufacturers Insurance
    • Office Insurance
    • Restaurant Insurance
    • Retail Insurance
    • Wholesale Insurance
    • Associations Insurance
    • Lessors Risk Insurance
    • Workers Compensation Insurance
    • Commercial Auto Insurance
  • Areas We Serve
    • Davie, FL
    • Palm City, FL
    • Port-Orange, FL
    • Daytona Beach, FL
  • Client Services
    • Client Services
    • File A Claim
    • Policy Glossary
  • About Us
  • Blogs
  • Careers
  • Contact Us
Home > Blog > Do's and Don'ts of Homeowners Insurance
THURSDAY, NOVEMBER 14, 2024

Do's and Don'ts of Homeowners Insurance

Do's and Don'ts of Homeowners Insurance  

There's a lot that you need to know when buying homeowners insurance, but don't let it overwhelm you. Once you learn the basics, you'll find great policies that meet your needs, no matter where you live in the future.

Here are some simple "do's and don'ts" to help you get started. concrete house near a body of water and forest

Dos

DO investigate policy options. Home insurance policies can be customized to meet your needs and budget. Make sure you have enough coverage for the liability concerns of your home, property and possessions.

DO check for special rates. Ask if you qualify for special rates or discounts. These can come about if you have no prior claims, can boast excellent credit, own several security devices or make minor home improvements. All of these actions or attributes could reduce the risk of making a claim in the future — which is why insurers often incentivize them with discounts.

DO update your home's value annually. Imagine this scenario: You buy a solid house that needs some TLC. Over the first few years of homeownership, you invest some money and lots of equity to improve its value. Your $90,000 is now worth $150,000. But it's still insured for just $90,000. One day, a thunderstorm causes a fire that consumes your home. Since the home is still insured for $90,000, your insurer will only provide that amount of coverage. Avoid this issue by updating your home’s value on the anniversary of your move-in date.

DO know your claim timeframe limits. While you will hopefully never need to make a claim, you should read and understand the fine print regarding timeframe limits. That way any claims your file won’t be denied because they were deemed to be filed too late.

Don’ts

DON’T automatically bundle your home insurance with other policies for the sake of convenience. It's true that doing this can be cheaper, but that’s not always the case. Do your due diligence and search around to ensure that bundling is your best option. If you find it’s best to bundle, then do so.

DON’T pay extra to insure your land. Your land isn't going anywhere, so there's no use paying extra to insure it. However, if you use your land for business, such as farming, insurance is necessary.

DON’T forget to include your valuable items that exceed basic policy limits. If you have expensive items that are worth more than what's typically covered, be sure to get a rider that will cover them. It wouldn't take much for a thief to steal your jewelry collection or for a fire to destroy your art collection. Also be sure to update their value on your policy.

We've got you covered. Call Iten Insurance Agency at 954-680-0360 for a free home insurance quote.

Posted 2:49 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020

  • auto insurance(17)
  • home insurance(17)
  • business insurance(12)
  • flood insurance(7)
  • workers compensation insurance(5)
  • wholesale insurance(5)
  • retail insurance(5)
  • bop insurance(4)
  • manufacturer insurance(4)
  • boat insurance(3)
  • car insurance(3)
  • general liability insurance(2)
  • cyber liability insurance(2)
  • business owners policy(2)
  • manufacturing insurance(2)
  • motorcycle insurance(2)
  • homeowners insurance(2)
  • commercial insurance(2)
  • hurricane prep(1)
  • commercial auto(1)
  • liability claims(1)
  • no matter where you live(1)
  • franchise insurance(1)
  • car insurance premiums(1)
  • fire prevention tips(1)
  • fire safety(1)
  • there's a good chance that an earthquake can occur in your area at least once.(1)
  • commercial property insurance(1)
  • rental car(1)
  • car insurance rates(1)
  • employment practice liability insurance(1)
  • commercial auto insurance(1)

View Mobile Version

Companies We Work With

The companies we work with are some of the best in the industry. We look at each one annually, evaluating pricing and customer service levels, so you can expect a smooth and fair process.

 Carrier Carrier Carrier  Carrier Carrier Carrier Carrier Carrier Carrier geovera logo Carrier Carrier Carrier Carrier Carrier slide logo Carrier Carrier Carrier Carrier vyrd logo Carrier Carrier Carrier Carrier Carriertyp tap logoCarrier Carrier Carrier Carrier
Get Your Personalized Quote Today!
Logo


Davie Office
5905 S University Drive
Davie, FL 33328

Port Orange Office
5889 S Williamson Blvd, Suite 1429
Port Orange, FL 32128

Palm City Office
4221 S.W. High Meadow Road, Suite 201
Palm City, FL 34990
Davie/Main Office: 954-680-0360
Palm City: 772-206-4411
Orlando: 407-635-8100
Southwest Florida: 941-253-5757
Port Orange: 386-761-4374
Call us today

info@itenagency.com
Email anytime, we will respond shortly
Careers opportunities at Iten Insurance Agency

We are currently hiring for Personal Lines Customer Service and Commercial Lines Service. Please feel free to email us your resume at info@itenagency.com.


We look forward to hearing from you.


See something you are unsure about? Take a look at our
Policy Glossary

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.


ITEN Agency ©2021 All Rights Reserved Privacy Policy | Insurance Website Builder
Social Icon Social Icon Social Icon