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HOMEOWNERS INSURANCE TIPS, ADVICE & SAVINGS



Select A Strong Insurer
Fast, fair claim service is a must when it comes to homeowner coverage. Ask questions about the Company and have us sit with you to go over all options.

Do Not Guess At Your Coverage
The cost of rebuilding your home might exceed your estimate. Consult Austin Insurance Agency and determine how much you need to rebuild from the ground up. (In a fire, you could be left with just the foundation.)

Do Not Under-Insure Your Possessions
Trying to save a few dollars up front by under-insuring could cost you a significant amount of money at a time of loss. Always make sure you take the time to properly value and document your possesions.

Always Opt For Replacement Value
Unless you insure for replacement cost of household possessions, you will be paid only purchase price, less depreciation, for items burned or stolen. There is significant savings in opting for replacement value.

Choose An Appropriate Deductible
The higher the amount of a property loss you elect to "self insure," the lower your premium is likely to be. ($250 is fairly standard but $500 is affordable for most homeowners.)

Schedule Art, Furs, Antiques and Collectibles
The cost of rebuilding your home might exceed your estimate. Consult Austin Insurance Agency and determine how much you need to rebuild from the ground up. (In a fire, you could be left with just the foundation.)

Ask About "Off-Premises" Coverage
Do not take a chance with expensive equipment. Make sure your insurance possessions in transit and for "mysterious disappearance." (Lack of coverage can be an extremely costly mistake.)

Make Sure You Get Proper "Credits"
Many policies provide discounts for central and other alarm systems, for proximity to fire hydrants and fire stations, for proper smoke alarms.

Check Your Coverage For "Living Expenses"
In the event of fire or other damage to your home, your policy should provide adequate payment for alternate lodging during the period of rebuilding.

Find Out About Excess Liability
Do not take basic liability coverage for granted especially if you have "attractive hazards" such as a swimming pool or "frisky" pets. (Lawsuits settlements really have become excessive.)

Do Not Ignore Earthquake and Flood Insurance
"It can't happen here" has cost many a homeowner thousands of dollars and countless grief. Neither peril is covered under standard policies --- check them out.

MOST IMPORTANT - Talk To Us
We are independent agents representing several companies that want to compete for your business. Let us do the "shopping" for you. We can almost certainly save you money and concern.







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phone: 781.447.5561
fax: 781.447.1246

293 Bedford Street
PO Box 228
Whitman MA 02382

Whitman, Massachusetts
phone: 781-447-5561
fax: 781-447-1246

175 Derby Street
Unit 2
Hingham Ma 02043

Hingham, Massachusetts

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