MONDAY, FEBRUARY 16, 2015
Home insurance can be extremely expensive or very reasonable. Is your policy covering your home expensive or reasonable? Or should I say is your policy expensive or cheap? First of all I wouldn't say that cheap means that you're getting inferior coverage. What we're talking about are a home policy for your house in Charleston, Mt Pleasant or Sullivans Island that is pretty much the same for company A and company B. But the difference is the premium. Company A could be 25% higher so wouldn't you consider them to be expensive and company B cheap? Having and independent insurance agency like Triest Agency in greater Charleston is the best way to be find cheap or lower cost policies. Triest Agency represents many different insurance companies that sell home insurance. Finding the best fit for your house is primary objective. Triest Agency gives you the tools that you need as a consumer to make a good decision about what company insures your home. So the first way to get cheap home insurance in South Carolina is to have an independent insurance agency like Triest Agency. Another way to get cheap home insurance is to ask for higher deductibles. Home insurance or as some say homeowners insurance should be for catastrophic events like a fire or hurricane. Having a low deductible and making small claims will only raise your premium. Home insurance companies don't just look at the size of the claims that you've had when pricing a new policy for you. They also look at claims frequency. Several small claims can drive up your premium and could cost you much more in the long run. The last piece of advice is to make sure that your home is in great condition. A home that is not maintained to the highest standards will pay more. What is considered a high standard? This includes the roof, heating & air conditioning systems, electrical and plumbing. Poor maintenance or neglect won't help when you're trying to get cheap home insurance. Cheap home insurance is for homes that are new or very well maintained. So our best advice here is to get things things updated before shopping for a new home policy.
What's your next step to find a better rate for home insurance? Call Triest Agency at 843-556-6232. Triest Agency has been insuring South Carolina residents since 1903 and represents highly rated insurance companies. If you're not sure if your home will qualify for the lowest rates, call Triest Agency and ask for advice. We're here to help. That's what we've done for 112 years.
Posted 10:59 AM