Wednesday, January 22, 2014

Frequently Asked Questions About Insurance


by Maryl Joop


In today's economy everyone is trying to save a few dollars where they can. Insurance can be expensive and can seem like a substantial financial drain each month when it is deducted from your bank account. Wouldn't it be great if you could shave that total down to a more manageable sum? Luckily, it is possible to reduce the cost of your insurance. Home improvements, increased security, and other updates to your home allow your insurance agency to feel more secure in insuring you. These things often reduce the cost of claims and insurance companies are willing to pass the savings on to you as the insured.

Mold spore and mold colonies can cause serious damages to the possessions in the home as well as to the structure of the home as they crawl up drywall, spread under the carpet or flooring of a home, or attach themselves to the possessions in the home. To avoid the damages to the home, at to avoid having to file a claim to your homeowners insurance in Lawrenceville, GA, a homeowner should understand the dangers of mold and how to avoid encouraging mold growth.

Mold grows in the more moist places of your home, damaging your furniture, walls and floors if it is left uncheck to grow and thrive. It can also harm those within the home who may have allergies, asthma or other breathing difficulties.

Repairs to your roof, upgraded wiring, and better windows and doors are among some of the primary improvements that may save you some money. You may also consider installing or upgrading your security system and including a monitoring system. Good monitoring systems not only alert you in the event of a home intrusion, they can also detect leaks and turn off the source before your home is flooded or filled with gas.

Doing this will stop the moist air from coming into your house and turning on your air conditioning can help reduce the moister in the air inside the home. Likewise, the air conditioning will move the air around, dispersing the moisture and drying out the wet things.

While it may be worth it for some to knowingly exclude a liability clause in their insurance policies in order to cut rates, the smart play is to first understand liability insurance coverage and how it can help a person. Liability coverage's are often included in auto and homeowners insurance policies and are place to provide insurance coverage to suits concerning liability that may be brought against the policy holder.

Some insurance providers reduce premiums for customers who do not file claims. The longer you go without filing a claim, the more likely you are to see some savings. They prefer to not pay claims and can pass their savings on to you as you continue to save them money.

Place it in the middle of the room to allow it the best chance of gathering moist air. If your air conditioning is blowing, it will push the air towards the center of the room-straight to the de-humidifier; and in places with high humidity, turn it on daily.

Follow these simple steps and you'll protect your home from the build-up of moisture and mold. Your home will stay strong and clean, keeping your family safe and healthy for many years to come.

Lauber & Will provide quality home insurance in Cincinnati. Come by our office, visit our website, or give us a call today. Put us to work for you and we will help you find the perfect policy for your needs and get you the discounts that you deserve.




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