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HOME INSURANCE
With insurance companies raising rates every renewal we know how important it is to have the ability to shop for the correct auto insurance that is fit for you and your family. You work too hard for your money, we are here to make it easy, effective, and efficient. With just a few pieces of information we can get you connected directly with a licensed insurance agent.
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Our approach to home insurance shopping aims to alleviate the challenges and uncertainties often associated with the process, making it a more straightforward and hassle-free experience for customers.
REASONS TO USE INSURANCE BULLY
Personalized Service: Working with expert licensed agents means you can receive tailored guidance and recommendations based on your specific needs and circumstances. This personalized approach ensures that you get the coverage that's right for you.
Efficiency: Insurance Bully connects each customer with a licensed agent who aims to provide fast and reliable quotes, saving you time and effort in the insurance shopping process. By streamlining the process, they help you quickly obtain the information you need to make informed decisions.
Customized Coverage: By offering completely customized quotes, your coverage will align perfectly with your needs. This means you won't end up paying for unnecessary coverage or finding yourself underinsured in the event of a claim.
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Expertise: Working with expert licensed agents means you have access to expertise and industry knowledge. Whether you have questions about coverage options, policy terms, or claims processes, their agents can provide the guidance you need.
Peace of Mind: With our personalized, easy, and effective service, you can have confidence that you're getting the right coverage for your home and belongings. This peace of mind is invaluable when it comes to protecting your most important assets.
FACTORS TO CONSIDER WHEN SHOPPING FOR HOME INSURANCE
Understand Your Home's Rebuild Cost: The dwelling coverage on your policy should reflect the cost to rebuild your home in the event of a total loss. Consider factors such as local construction costs, materials used, and any unique features of your home. It's essential to have adequate dwelling coverage to rebuild your home completely if it's destroyed.
Know Your Coverage Options: Home insurance policies typically offer several types of coverage, including dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. Understand what each type of coverage entails and choose the appropriate limits based on your needs.
Consider Additional Coverage: Depending on your location and specific circumstances, you may need additional coverage for perils such as floods, earthquakes, or hurricanes. These perils are often not covered by standard home insurance policies and require separate endorsements or policies.
Review Deductibles and Coverage Limits: Deductibles are the amount you're responsible for paying out of pocket before your insurance coverage kicks in. Higher deductibles typically result in lower premiums, but make sure you can afford the deductible in the event of a claim. Additionally, review coverage limits to ensure they adequately protect your assets.
Assess Personal Property Coverage: Personal property coverage protects your belongings, such as furniture, electronics, and clothing, from covered perils. Take an inventory of your possessions and estimate their value to determine the appropriate coverage limit. Consider whether you need additional coverage for high-value items such as jewelry or artwork.
Evaluate Liability Coverage: Liability coverage protects you financially if someone is injured on your property and sues you for damages. Make sure you have sufficient liability coverage to protect your assets in the event of a lawsuit.
TYPES OF DISCOUNTS
Multi-Policy Discount: Also known as a bundling discount, this is one of the most common discounts offered by insurers. You can save money by purchasing multiple insurance policies from the same company, such as combining your home and auto insurance.
Claims-Free Discount: Insurers may offer a discount if you haven't filed any claims within a certain period, typically three to five years. This demonstrates that you are a low-risk policyholder.
Protective Devices Discount: Installing safety and security features in your home can lead to discounts on your insurance premiums. This includes systems such as smoke detectors, burglar alarms, fire extinguishers, deadbolt locks, and security cameras.
Home Renovation Discount: Upgrading certain aspects of your home, such as the roof, plumbing, electrical system, or heating/cooling systems, may make you eligible for discounts. Newer and well-maintained homes are generally considered lower risk by insurers.
Age of Home Discount: Some insurers offer discounts based on the age of your home. Newer homes may qualify for discounts because they are less likely to have structural issues or outdated systems.
Gated Community or Homeowners Association (HOA) Discount: Living in a gated community or a neighborhood with a homeowners association may make you eligible for discounts due to the added security and maintenance standards.
Retiree Discount: Retirees who spend more time at home may be eligible for discounts since they are perceived as being at lower risk for certain types of claims, such as burglary or water damage.
Non-Smoker Discount: If no one in your household smokes, you may qualify for a discount since smoking increases the risk of fire and smoke damage.
Loyalty Discount: Insurance companies may reward long-term customers with discounts for staying with them for an extended period.
Discounts for Paying in Full: Some insurers offer discounts if you pay your annual premium in one lump sum rather than in monthly installments.