Many homeowners in Ann Arbor, MI don’t realize there could be things lurking in their home that are driving up the price of their homeowner’s insurance. If you need to cut costs, you should identify and eliminate as many of these rate-raisers as possible. Here are some of the most common things that can lead to more costly Home Insurance in Ann Arbor, MI, and what you can do about them.
Swimming Pools
Everyone loves swimming pools, except insurance agencies. To insurance companies, a home with a swimming pool is a high-risk liability, especially if that home has children living in it. So, what can you do? If getting rid of your pool isn’t an option, try to make your pool area more secure with high-safety features like a motion-detecting alarm system or a higher fence with a padlocked gate. Your insurance company may reduce your rates slightly if you take extreme safety precautions.
Dogs
If you have the wrong breed of dog, you could be paying inflated rates for your Home Insurance in Ann Arbor, MI. Some breeds of dogs are unfairly targeted as being more likely to destroy property or to be involved in biting or mauling incidents, so insurance companies charge extra for the perceived risk. So, is your dog costing you extra? If you have a Pit Bull, Rottweiler or German Shepherd, the answer is probably yes. While re-homing your dog probably isn’t an option, you may want to look into having your pooch take the Good Canine Citizen test. If your dog passes this nationally-recognized training program, he’ll receive good-behavior certification that may put your insurance company at ease.
Outdated Plumbing or Wiring
Water and fire damage are huge concerns to insurance companies, so if your home features plumbing or wiring that’s outdated you could be paying extra for your Home Insurance in Ann Arbor, MI. To save money, look into having the unsafe elements in your home replaced or updated by an experienced professional. Whatever you do, don’t do the work yourself unless you’re a professional in that industry. When your renovations are complete, mail your insurer a copy of the work you’ve had done. They should adjust your rates accordingly.
Some unexpected things can adversely affect your Home Insurance in Ann Arbor, MI rates. To learn more ways to make your home low-risk and cut your insurance costs, talk to an agent at Kemner Iott Benz Insurance Agency. For more information, visit us online at Kemneriottbenz.com.
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