(888) OBX-2-IBX ☰ ˟
Logo
Logo
(888) OBX-2-IBX info@weatherlyinsurance.com claims@weatherlyinsurance.com
  • HOME
  • GET A QUOTE
    • Auto Insurance Quote
    • BOP Insurance Quote
    • Boat/Watercraft Quote
    • Commercial Auto Insurance Quote
    • Farm Insurance Quote
    • Flood Insurance Quote
    • General Liability Quote
    • Homeowners Insurance Quote
    • Life & Financial Insurance Request
    • Life Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Term Life Insurance Quote
    • Windstorm Insurance Quote
    • Workers Compensation Quote
  • OUR PRODUCTS
    • Auto
    • Commercial Auto
    • Homeowners
    • Windstorm
    • Flood
    • General Liability
    • Rental Property
    • Renters
    • Boat
    • Business
    • Farm
    • Life & Financial
    • Recreational Vehicle
    • Home Insurance - Outer Banks
  • BLOG
  • OUR LOCATIONS
    • Our Locations
    • Kill Devil Hills
    • Greenville
    • Columbia
    • Elizabeth City
    • Edenton
    • Mt. Olive
  • ABOUT US
    • About Us
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • RESOURCES
    • Carrier Links
    • Refer a Friend
    • Insurance Glossary
    • Insurance Coverage for the Holiday Season
  • CONTACT
Icon Icon Icon Icon Icon Icon
Home > Blog > 5 Things You Might Not Know About Home Insurance
TUESDAY, NOVEMBER 1, 2022

5 Things You Might Not Know About Home Insurance

The more you know about home insurance, the better equipped you'll be to navigate it. Here are five things you might not know on the subject: Modern house

  1. Some dog breeds raise your premiums more than others. Dog bites tend to cost insurance companies around $30,000 on average. And certain breeds are, statistically speaking, involved in more attacks than others. Your German Shepherd may be the most tame, gentle dog alive, but insurers have to look at the stats. Those stats place this breed, along with wolf and coyote mixes and Akitas — at a higher risk premium, so you might have to pay more for coverage. Worse, some insurers simply won't cover a home with certain dog breeds in the house. 
  2. Your insurer needs to have a good reason to drop your coverage. We hear about insurers simply dropping coverage out of nowhere, but the truth is that they are required by law to provide a good reason. An insurer with a careless attitude about dropping a customer may find themselves facing heavy fines and lawsuits for their effort. 
  3. You can reopen old claims. In some cases, you may be able to reopen a claim even after you've been reimbursed. Oftentimes, you won't know the full extent of the damages until repairs are already underway — in which case you may be able to get supplemental payment from your insurer. 
  4. Adding home security features is one of the best ways to lower your premiums. If you live in an area that's seen its share of crime — or even if you don't — a simple burglar alarm can be one of the most inexpensive ways to lower your premiums. 
  5. Your insurer may limit your deductible. Different insurers have different limits. But typically, an insurer won't allow you to set your deductible over $1,200. Higher deductibles mean lower premiums, and vice-versa. But, of course, there has to be a limit on this at some point — both for your insurer's sake and for yours. You don't want to file a claim, only to find that your deductible is several times the damages. 

You don't need to be an expert, but anytime you're spending money on something, it's a good idea to do a little research. That goes double for home insurance. 

Posted 8:06 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • home insurance(15)
  • homeowners insurance(5)
  • auto insurance(4)
  • bop insurance(2)
  • car insurance(2)
  • renters insurance(2)
  • cyber liability insurance(1)
  • winter preparation(1)
  • home sharing coverage(1)
  • business owners policy(1)
  • commercial auto insurance(1)
  • flood insurance(1)
  • farm insurance(1)
  • claims(1)

View Mobile Version
Facebook
Google+
Get Directions
Contact Us Today
Have Questions?
Resources
Products
Customer Service
Make A Payment
File A Claim
Refer A Friend
About Us
Our Carriers
Blog
Contact
Contact us Kill Devil Hills Location
2810 N. Croatan Hwy.
PO Box 3426
Kill Devil Hills, NC 27948

O: (252) 480-1284
Fx: (252) 480-1071
info@weatherlyinsurance.com
© Copyright. All rights reserved. Powered by Insurance Website Builder.