6 Hot PiggyBob’s Home Insurance Tips
1. What it covers: Homeowner’s or property insurance typically will cover you for your dwelling or structure’s value, personal property, liability for accidents, and living expenses.
2. Structure, not land: While your home is at risk against fire, theft or disaster, land really isn’t, so don’t include its value in quote applications.
3. Don’t smoke: Over 23,000 residential fires a year are started by smoking accidents; households without tobacco smokers may be eligible for homeowners’ insurance discounts.
4. Seniors can save: Because retired people typically spend more time at home and spot fires more quickly, they may be eligible for discounts on quotes.
5. Upgrade your home: Consider updating heating, plumbing and electrical systems, reducing the risk of fire and water damage—and inform your insurer when making upgrades.
6. Check your zone: Live in an Earthquake zone? Ask online providers about earthquake coverage as a rider; if not, you may buy a separate policy.
Article by Nakagava Ltd., creator of PiggyBob™, the first truly user friendly personal finance software and time manager. PiggyBob™ is an extremely convenient tool to help you keep track of your income and expenses, plus a very useful printable calendar to record all important events in your life. All the data you record in PiggyBob™ can be handily visualized in graphs.
