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Tips for Lowering the Cost of Homeowner’s Insurance

Following a few Tips for Lowering the Cost of Homeowner’s Insurance can save you a bundle of money

Owning real estate property is something nearly everyone aspires to. That being said, being swamped under with homeowner’s insurance is something everyone can do without. While you can always talk to your local insurance agent to see what can be done about lowering your rates, there’s even more you can do to save on your insurance while still enjoying quality coverage.

Take Steps to Protect Your Home

Anything you can do to protect your home from intruders, fire, earthquakes, water damage and the like is sure to help lower the cost of your insurance. This is because a well-reinforced home is less likely to suffer damage, which means you’re less likely to have to file a claim later on down the road. While you might balk at the initial investment of making such improvements, you’re sure to appreciate how much you save in your insurance costs over the years, and there’s also the fact you can rest easy knowing your home is well-protected.

Shop Around

While you might be happy with your current insurance provider, that doesn’t mean you can’t shop around. If it’s possible for you to get the same coverage with a lower price tag by switching providers, take the leap. You might hate to part with your current agent or company, but you also probably hate parting with your hard-earned cash when you don’t have to. Right? Before you change providers, see if your current home insurance company can do anything to lower the price of your premiums without compromising your coverage.

Raise Your Deductible

Increasing your deductible is another way to better save on the overall cost of your homeowner’s policy. Know that it’s possible to lower your premium cost by as much as 25 percent if you’re willing to raise your deductible to $1,000. No matter what your deductible might be, make sure you always have quick and easy access to that amount should you ever have to file a claim. Even better, put the money in an interest-bearing account so it works for you.

Ask About Discounts

Simply asking for a discount is another way to save money on coverage for your home. If you’ve been with your insurance company for a while, you might be eligible for savings. You might also be able to bundle policies if you also need auto insurance or the like. If you’ve never filed a claim, or if it’s been several years since you’ve filed a claim, you might qualify for a discount.

Review Your Policy

Have you had your homeowner’s policy for a while? If so, your coverage needs might have changed in recent years, which means you might not need the same type or policy or need to pay the same price for your premiums. Sit down with your agent to talk about your life and lifestyle. A single conversation can reveal you have coverage on your current policy you don’t need to pay for.

Think Before You Make a Claim

In the event you have to make a claim, think before you reach out to your agent. This is because making a claim can potentially drive up your premiums, and there’s also the fact your insurance company might view you as a policyholder who’s more trouble than you’re worth if you have a history of filing a claim for an issue you can easily take care of on your own. You might not like having to take care of the cost on your own, but it’s better than developing a bad reputation in the insurance world.

Paying home insurance is a necessity, but paying more than necessary for it most certainly isn’t. Let these tips guide you to getting the coverage you and your home deserve without an inflated price you don’t need.

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Branding Tips from Million-Dollar Online Casinos

Branding is a field that evolves constantly. As online business activity has grown, branding and marketing has become more complex than ever before.

With new channels, strategies, and platforms developing constantly, organizations from all industries work to get the most out of their marketing efforts.

There may be no more competitive market than online casinos. When looking for marketing tips, most people look to the biggest success stories they can find. Million-dollar online businesses know what works when it comes to making a sale. Though modeling your marketing strategy off that of the pros may take some time, it can provide great results in the long-run.

Optimizing Content for the Viewer

Every person has their own tastes and preferences, a fact that has kept marketing professionals busy since the days of black-and-white TV advertisements. The digital age has made it easier to see what people enjoy, and to set up your content accordingly.

Big money companies don’t get that way by wasting resources. When they publish a piece of marketing material, be it a promotional advertisement, a product description, or a white paper, they know what their audience likes.

The top online casino brands create amazing content around tournaments they are sponsoring, sponsored poker player stories and much more. This content then gets distributed across their digital assets to bring more people into their ecosystem.

People respond better when marketing material tells them what they want to know and helps them solve a problem they’re having. Once you’ve got the content they want, the next step is to help them find it.

Using Social Media to Distribute Content

If a person is looking for something from an online business, it usually means they’d prefer this option to a brick-and-mortar store. A physical retailer may rely on commercials, billboards, and other traditional forms of promotion. However, online businesses usually get discovered through social media.

Major companies aim to be the customer’s go-to resource, making the advertising landscape a competitive atmosphere. Customers want a company that has a reputation for being the top choice, not a secondary option.

Building a community of engaged fans is the highest priority of many online casino brands. While having a large following is nice, a community that is actively engaged and interested in the content you are publishing drives traffic and new business consistently for these brands. This strategy can be deployed to any business if you focus on sharing content that your community truly wants.

Use Trusted Ambassadors to Grow Reach

People appreciate consistency. With so many social media platforms there’s an infinite stream of voices talking about every subject under the sun. It’s the voices of experts that consistently provide valuable content that cut through the noise.

Businesses that see massive growth in social media know how to utilize these voices as brand ambassadors. Hiring ambassadors with large following who speak directly to a business’s target audience can be a huge win. For example, poker giant 888Poker teamed up with Texas Hold’em champion Annie Duke to help bring more people into the sport. Duke speaks to over eighty five thousand Twitter followers daily about poker tips, decision making and women in sport. 888 and Duke are able to reach young women with the message that they can play poker and win at the highest level, just like Duke.

Marketing tips are most effective when they’re used behind a consistent, well-established brand. Even if it is a brand that hasn’t gained a lot of followers yet, leveraging ambassadors who do is a very effective strategy.

Should You Cancel Old Credit Cards? Know the Pros and Cons

Deciding whether to keep an old credit card or get rid of it is not a simple choice to make, but with the right knowledge, it should be easier to come to a decision. Find the pros and cons of cancelling an old credit card below:

Pros of cancelling old credit cards

  • You’ll rid yourself of a possible liability

Whatever the reason for closing an old credit card, one less credit card could mean one less opening for incidences of fraud or theft. Because old credit cards are often forgotten and are generally more difficult to maintain and manage, they could be vulnerable to criminals.

  • You’ll have less temptation to fight

If you are one of those who feel richer than you really are because you have extra credit, then it might be best to cancel some of your credit cards. The same applies to people who tend to spend more than they should, so in order to prevent or reduce temptation, it is a good idea to close any extra lines of credit.

  • You can cut back on paying annual fees

Your old credit card accounts may have annual fees and you really shouldn’t be paying annual fees on a credit card you don’t use. Whether it is because you were not paying close enough attention or because you applied for the card when your credit was poor, you will save a good deal of money by getting rid of the card and if you must, replace it with a personal credit card with a better deal. Once you have good credit, the competitive financial landscape will sort out the rest.

Cons of cancelling old credit cards

  • Cancelling could hurt your credit score

If you have a negative payment history, closing an old credit card won’t work magic for you because the payment history of a card continues to affect your credit even after the account has been closed. While the effect the closed account has on your credit score will lessen over time, it is certainly not a solution for improving your credit. Other factors to consider include the utilisation rate and whether the card you intend to cancel is your only credit card.

  • You could lose out on existing customer deals

While they are often not as juicy as new customer deals, some lenders may offer current cardholders a fantastic deal every now and then. If your lender is one of the considerate ones, you might be losing out on opportunities to enjoy great deals on your credit card if you decide to cancel. While the offers may not be better than those for new customers, at least you won’t have to go through a credit check.

Before taking the leap and cancelling an old card, be sure to evaluate your position carefully so you don’t end up with regrets. Learn how keeping or cancelling the card will affect you in the long and short run.