Get A Quote About Contact Home Page
McInnis Insurance Services, Inc.

Personal Business Life Entertainment Medical Professional

Home insurance is a requirement for many property owners. Even if you do not have a loan on your home, it is one of the most important financial investments you can make. Yet, many people want to ensure they are not overpaying for their coverage. They want the best rate for the right level ofimage of house in Louisiana protection. With liability insurance, it can be hard to see the value. Yet, there are a few ways to keep your costs under control.

What a Normal Policy Offers

The Insurance Information Institute states that the average homeowners insurance policy has $100,000 in liability insurance. However, it recommends that most property owners maintain between $300,000 and $500,000 in some cases. The more coverage you have, the higher your costs are. Which is the right level for you?

Talk to your agent about recent claims in your area. Learn more about the risks in your home. It is also important to never underestimate the cost of a claim against you. A dog bite can cost thousands of dollars. If someone trips over a carpet and suffers a brain bleed, that can cost hundreds of thousands of dollars. Having too little coverage can put your assets on the line if a situation likes occurs.

What Can You Do to Lower Your Costs?

 It’s a good idea to pay close attention to the risk factors around your home. If you want to keep your home insurance costs low, look for ways to reduce your risks. Here are some ideas to help you:

  • Only hire insured and verified contractors. A common claim occurs when someone comes to the home, suffers an injury, and your policy has to pay for it because they do not have insurance.
  • Keep your dog in your backyard and ask people not to pet it. Even small dogs can bite someone they do not know if they feel threatened. Don’t allow others to approach your dog on walks, either.
  • Add security to your home where there are risks. For example, if you have a pool, have a gated fence around it that you keep locked. If you have a trampoline or other high-risk item at your home, be sure it’s out of reach for those who may be walking by.

Your home insurance agent can offer insight and support to you when it comes to managing your coverage. Tell your agent about the steps you take to minimize risks at your home, too.

Also Read: Will Home Insurance Cover Roof Damage from Wind?

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015

View Mobile Version
icon Our Latest Blog
Read more >
icon What People Are Saying
Read more >
Connect With Us: Facebook Twitter LinkedIn Google+ Yelp RSS

Visit Us

McInnis Insurance Services, Inc.
7814 Office Park Blvd
Baton Rouge, LA 70809

Phone: 225.926.0860
Toll Free: 844.926.0860
Fax: 225.923.3418

Site Links

Personal Insurance
Business Insurance
Life Insurance
Entertainment Insurance
Medical Professional Insurance

Hurricane & Flood Information
Make a Payment
Customer Service
File a Claim
Contact Us
Please note that we cannot bind insurance via email, fax or phone. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverage used is not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.
© Copyright 2017. All rights reserved. Powered by Insurance Website Builder
How Can We Help You?
or call us at