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<p><strong>Courtesy of Jimmie Van Hooser your REALTOR®  - 931-320-2142 </strong></p>
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<h3><strong>Tips for Lowering Homeowner’s Insurance Costs</strong></h3>
<p><br /> <strong>1.</strong> Review the Comprehensive Loss Underwriting Exchange (CLUE) report on  the property you’re interested in buying. CLUE reports detail the  property’s claims history for the most recent five years, which insurers  may use to deny coverage. Make the sale contingent on a home inspection  to ensure that problems identified in the CLUE report have been  repaired.</p>
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<p><strong>2.</strong> Seek insurance coverage as soon as your offer is  approved. You must obtain insurance to buy. And you don’t want to be  told at closing that the insurer has denied your coverage.</p>
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<p><strong>3.</strong> Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.</p>
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<p><strong>4.</strong> Buy your home owners and auto policies from the  same company and you’ll usually qualify for savings. But make sure the  discount really yields the lowest price.</p>
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<p><strong>5.</strong> Raise your deductible. If you can afford to pay  more toward a loss that occurs, your premiums will be lower. Avoid  making claims under $1,000.<br /> <br /></p>
<p><strong>6.</strong> Ask about other discounts. For example, retirees  who tend to be home more than full-time workers may qualify for a  discount on theft insurance. You also may be able to obtain discounts  for having smoke detectors, a burglar alarm, or dead-bolt locks.</p>
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<p><strong>7.</strong> Seek group discounts. If you belong to any  groups, such as associations or alumni organizations, they may have  deals on insurance coverage.</p>
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<p><strong>8.</strong> Review your policy limits and the value of your  home and possessions annually. Some items depreciate and may not need as  much coverage. <br /> <br /></p>
<p><strong>9.</strong> Investigate a government-backed insurance plan.  In some high-risk areas, federal or state government may back plans to  lower rates. Ask your agent.</p>
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<p><strong>10.</strong> Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.</p>
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