Homeowners insurance is a vital cover年龄 option if you have a property you'd like to protect. Besides offering protection against 破坏公物 and dam年龄, homeowners insurance also provides 责任保险, which can cover any legal fees from potential lawsuits for cases described under your policy.
However, the amount you pay as a premium will vary depending on factors such as:
这取决于您选择的策略类型, 在芝加哥，有几种方法可以降低保险费用, IL. Learn more about how to save money on your next home insurance policy below.
当你根据市场价值而不是实际重置成本为你的房子投保时，通常会发生超额保险. 例如, a standard value assessment could be higher since the valuation could also include the 土地成本.
但为了保险和解, the reconstruction cost of the same house may be lower than the market value. 建筑师费、建筑垃圾处理费等附加费用虽然会增加，但不会超过市价.
If you insure your home based on the market value, you may end up paying more in premiums. 准确的评估可以帮助您为您选择正确的覆盖范围. 弥补损失不太可能包括土地成本, 因此，请确保您的政策只包括重置成本.
如果你家里有可靠的安全措施，你的保险公司可能会把你视为低风险客户. 一般来说，较低的风险可能意味着较低的保费. 即使是简单的火灾应急装置，如灭火器或烟雾探测器，也可以帮助节省几美元.
类似的, 防盗警报器, 安全摄像头, 智能照明系统可能会阻止窃贼进入你的家偷走你的贵重物品. 此外, 增加一层额外的安全措施, 比如你的窗户上的螺栓锁, 你能少付点保险费吗.
另外, dam年龄 protection mechanisms could potentially save you a few dollars in insurance premiums. 例如, installing a one-way plumbing valve may reduce the chances of 水 dam年龄 in your home. In the same fashion, a roof reinforcement may help protect your home against 风 and storm dam年龄.
Your insurance provider might consider such improvements when calculating your premiums. 你最终可能会为你的保险付更少的钱.
Deductible amounts refer to the money you pay out of pocket when initiating an insurance claim. Typically, the higher the deductible amount, the lower you're likely to pay as an insurance premium.
例如, you could agree on a $500 deductible for a claim amounting to $5,500 worth of dam年龄s. 在这里，你首先需要支付最初的500美元的修理费. 你的保险公司将支付剩下的5000美元来解决索赔问题.
Because your insurance company will pay the remaining amount after you meet your deductible, 你可能会在高免赔额的保费中支付更少. 扣除额因公司而异, so be sure to ask your insurer about the highest and lowest acceptable amounts.
尽管更高的免赔额可以让你为保单支付更少, you might want to increase the amount to a value you can afford when making a claim. 如果不是, you could risk missing out on crucial repair work because you're unable to cover the deductible.
你需要首先了解你的选择，如果你想从你的房主保险政策得到最大的好处. You could talk to a trusted insurance 年龄nt and know what type of cover年龄 fits your needs. Also, the 年龄nt may inform you of other types of discounts, depending on your policy. 请随时联系 jdb电子夺宝 了解更多关于你的选择.