Home Owners

What should a prospective homeowners policy holder think about when assessing which policy to obtain? Here are several ideas for potentially lowering costs.

Raise the deductible
Deductibles are the amount of money the homeowner pays toward a loss before the insurance company starts to pay according to the terms of the policy. Deductibles on homeowners policies typically start at $250. By increasing the deductible to $500, $1,000, $2,500, or $5,000, discounts may be obtained, depending on the insurance company.

Buy home and auto policies from the same insurer
Some companies that sell homeowners and auto coverage may reduce their premium if two or more policies are purchased from them. When buying a home, consider how much insuring it will cost.

Insure the house, not the land
The land under the house isn't at risk from theft, windstorm, fire and other perils covered in a homeowners policy. Therefore, the value of the land should not be included in deciding how much homeowners insurance to buy.

Beef up home security
Some insurance companies offer discounts for smoke detectors, burglar and fire alarm systems, or dead-bolt locks. Others offer discounts for homes equipped with a sprinkler system and fire detection and burglar alarms that ring at the police station or at a monitoring facility.

Name to be on the policy*

Telephone *

Email *

Property Address *

City * State AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Zip Code *

Value of home w/o property*

Year home was built*

What is your home manufactured of (brick, wood, log, etc.)*

Square Footage*

How far is the home for a fire station/ how far from a fire hydrant*

Is there a home security system (if yes: does it notify the police or fire station)*

Are there an animals (If yes, please indicate all animals and the bite history for each)*

Is there a pool (if yes, is it above or in ground, is there a fence, is there a diving board)*

The Insurance Source GA | Gary Reynolds and Associates INC 332 Washington St. NW | 206 Gainesville, GA 30501 Phone: 770-532-1900 | Toll Free: 1-877-532-4279 Fax: 770-532-2174

Hours: Monday - Friday 9:00am-5:00pm Appointments from 10:00am-4:00pm