Tag Archives: homeowner insurance florida

How To Prepare Your Child for a Hurricane

hurricanefloridaHurricanes can be very scary, wind howling, rain, and the possibilities of Tornado’s. We prepare the best we can, keeping a chart of the on coming storm, getting in supplies and making sure there is enough water for the days when there will be no electricity and possibly no drinking water.

Your children should be a part of your preparations. Let them know about how a hurricane works in a basic way they will understand depending on their age and always assure them that they can be safe.

Depending on the strength of the storm and what type of home you live in, you may be required to go to a shelter. Uprooting your kids, and then taking them to an unfamiliar place can be stressful for you and them. Prepare them ahead of time by packing a special suitcase or backpack with their clothes and special toys, coloring books, or stuffed animal they are attached to and let them know they are going to a safe place from the storm. Even if you do not have to leave, you and your children are prepared to go quickly.

If you are staying in your home during a hurricane, let them know that their lives after the hurricane will be different. The TV, video game machines etc, may not be accessible to them because there will be no electricity. Think ahead and have them help you prepare a space in a room, or a table with books, paper, crayons, craft supplies for small projects, puzzles, cards, etc. It would be a good idea to have them do the grocery shopping with you to and have special treats to look forward to. They will also see that shopping for a storm is different then your normal grocery list.

With the storm approaching, ask them if they have any questions about the storm and what fears they may have. Addressing these fears with them and letting them know that you are there for them will be less stress on them.

Is your hurricane insurance coverage up to date? Once there is a Watch issued, binding restrictions take place within the carriers and aren’t lifted until the storm passes.

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

Photo courtesy of 12019 at Pixabay.com

How To Cut Cost on Home Insurance

Increased Home Security

Most homes are fitted with some sort of security device. To make the most of your home security discount, make sure your home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two, make sure that you ask for the savings.

Keep your credit score as high as possible.

Home Insurance companies are using your credit score as an indicator of responsibility. The theory is the more responsible the individual the less claims they will have. So, insurance companies are giving lower rates to those individuals with a better credit score.

Consolidate your policies.

Most, if not all companies that sell home insurance, offer discounts for insuring your autos with them. These discounts can sometimes save you up to 30% off of your total insurance bill. Plus, you get the added convenience of having one agent for both your home and auto insurances.

Protect your home with updates.

Discuss with your agent about the possibilities of receiving home insurance discounts for keeping your home in good repair. Some home insurance companies will offer savings for a anew roof, electrical, HVAC, plumbing updates.

Make sure you are not over insured.

Your home insurance coverage should not necessarily be what you paid for the home. Land values are calculated into the final sales price and should be considered when insuring the structure. In others words you cannot hurt the dirt. A good idea is to call local builders and ask them what new home construction cost per square foot is going for. Take that number, multiply that times your square footage and that is the amount that your home should be insured for. Companies will not pay more than what it is going to cost to rebuild the home anyway, so make sure you are insured correctly.

Stay away from low deductibles.

The deductible is your portion of the claim that must be paid before the insurance company pays for the claim. The lower your deductible, the higher your premium will be. Deductibles can range anywhere from $100-$5000 or more. The majority of homeowners will carry a $500 deductible, but the savings one can receive by raising your deductible to $1000 can be significant, up to 20%.

Ask Budget Bi Rite. Contact an agent today to make sure that you are receiving 100% of the home insurance discounts that you qualify for.

 

 

 

 

Photo Courtesy of nattanan23 at Pixabay.com