We provide coverage that keeps pace with a changing world
The world has never been in such a state of change and here at First Volunteer Insurance, we can give you coverage that allows for changes in your circumstance, from family size, to plans for the future, to dealing with catastrophic world events. Let us help you navigate life’s ups and downs with a plan designed to protect you from whatever comes your way.
Shop around. Mike says that in addition to considering friends, family, or the internet as possible sources to find homeowners insurance, consult with an independent insurance agent. Look for a wide range of prices from several companies. Remember, you get what you pay for, so look for not only a fair price but excellent service as well. Check a company's financial rating with A.M. Best, or Standard & Poor's.
Raise your deductible. Companies generally have deductibles (what you pay before your insurance policy kicks in) starting at $500. By choosing a higher deductible ($500, $1000, $1500 or higher), you will have lower annual premium payments.
Consider how much insuring a new home will be. The age of your home may qualify you for savings because plumbing, heating and electrical systems of newer homes have lower risks than outdates systems. Construction of the home (brick versus wooden frame) can affect your cost as well, depending on your homes location. In addition, if you live near your local fire department, your homeowner's rates might be lower than if you are many miles away.
Insure your home, not your land. Since homeowner's policies do not provide protection for your land, it would be a waste of money to include its value as part of your dwelling coverage, which should only reflect the price it would cost to repair or replace your home's structure.
Insure your car and home with the same company. You can save money if you have more than one type of policy with the same insurance company. The more good business your give the company, the more valuable you are as a customer.
Improve home security and safety. If your home has certain types of fire alarms, burglar alarms, locks, or smoke detectors, you have reduced your risk and may qualify for a credit.
Look for senior discounts. If you at least 55 years old and retired, your insurance company may offer you a discount. Retirees often spend more time at home, are more likely to spot trouble, and prevent a loss.
Compare the limits in your policy to the value of your possessions at least once a year. If you make any major purchases or additions, you want to ensure they will be covered.
When is the last time you reviewed your personal Homeowner or Auto insurance? The process is simple and start with a phone call to First Volunteer. You do not need to wait until your policy is ready to renew, we can:
Help you customize coverage for your needs and budget.
Offer recommendations based on our decades of experience.
Help you find all the discounts available to you.
Answer all of your questions and help you find the right protection - now and as your needs change in the future.
Provide valuable information to help protect your home & auto as well as savings opportunities.