Wednesday, June 12, 2013

Home Improvements To Lower Insurance

By Maryl Joop


Some of the safest homes are those in the safest neighborhoods. One of the reasons they aren't riddled with crime is because their homes, as a community, are secured. The chances of a burglar coming in and robbing any house is extremely difficult. Burglars look for the easiest opportunities to steal. They're not usually hoping for a challenge. Challenges make an easy job messy.

Why would they rob a high security vault behind locked doors when they can go 15 minutes in another direction to steal some cash under the mattress of an unlocked house? They want quick, and they want easy.

What some responsible homeowners in Orlando may not know is that similarly to the other home repairs and maintenance projects that they undertake to lower the overall cost of owning a home, they can also undertake some simple home improvement projects that will actually lower their monthly homeowners insurance premiums. Most of these home improvement projects deal with securing the home for safety, as a safe home is less of a risk for insurance companies to absorb.

First off, you need to bring your neighbors together to talk about it. Send a letter in the mail, post a flyer on the door, or knock door-to-door to talk to them about it. Tell them what you'll be talking about and give them a location to meet up at. If you have a home owner's association, than that can be a good way to contact the homeowners as well.

In the same vein, having locks on all windows and installing shatter proof windows on ground floors will lower premium costs due to their ability to deter theft from the home and therefor the need for a claim to be filed. This principle of lowering the risk of damage, theft, or other reasons to file a claim is at the center of lowering premium costs on homeowners insurance in Orlando.

It is easier to remodel a home with the building code in mind, rather than trying to go back and fix it after work has already been done. Make sure you set aside a specific time to write up a contract with your contractor. Be sure to have already decided beforehand the conditions of the agreement that you're willing to work with. Be firm with what you want; do not be a pushover.

Finally, encourage neighbors to look out for each other. Become friends and protect each other's property. There's nothing they fear more than an army of neighbors who are watching the other homes. Come together, be friends, and protect each other. There are plenty of other ways to keep your home safe. Get your neighbors together and make goals to change your neighborhood's reputation. You'll see an improvement in crime rate. If you don't have a crime rate, you'll ensure your reputation holds.

Pontell Insurace offers home insurance to Orlando residents in order to protect your home from the other unforeseen tragedies. When a hurricane storms through, lightning strikes, or fire engulfs your structure, Orlando home insurance can help you get back what was once yours. Protect your house in every way. It represents a home, a safe haven, and a significant investment that's worth your protection.




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