Homeowners Insurance Survival Blueprint: Insider Secret #7

Expect The Big Questions…That Means You’re Getting The Best Value!

If you decide to shop your insurance because of an increase, the agent you work with will gather information about you and your home and take that info to the insurance company they represent (or several insurance companies if they’re an independent agent) and share that info with someone called an underwriter.

This person has been given guidelines from their company on what is acceptable and what is unacceptable, in regards to a home and offering insurance to protect it. This is your agent’s “go to man (or woman)” when it comes to getting you the very best protection program for every buck coming out of your pocket to go towards the insurance cost.

Guidelines At Each Company Differ…

Each company is different, but some have guidelines that deny coverage or surcharge your policy just for having things like these on your premises:

>Wood burner
>Corn burner
>Hot tub
>Above ground swimming pool
>In-ground swimming pool
>Not having handrails in place for 3 or more steps
>Roof older than 10 years
>Electric and plumbing updates more than 25 years old

This list could go on forver, but the short of it is…your agent needs to know these things and if he or she puts together a strong enough case as to how you’ve taken measurements to make your home SAFE and the odds of a loss less likely and they can show that to their underwriter and then you have a better shot of being accepted by a more competitive carrier or placed in a much more competitive program that that particular company offers.

Are You In The Most Competitive Tier With Your Company?

Remember, there are tiers within each homeowners program with a particular company that you get placed in depending on the case your agent presents to his or her underwriting team.

Exceptions aren’t made often, especailly in this market, but if your agent is out taking pictures, video and asking you big questions about your home then that’s a GOOD THING because it means they’re building a competitive case to get you the very best value for every dollar you’re spending on homeowners insurance.

This is “Insider Secret #7″ in my 7-Part blog series on how you can prepare and survive the looming homeowners insurance crisis in 2012.

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