trees and homeowners insuranceThere are tons of trees in Houston, and many homeowners aren’t sure about their coverage in the event that a tree should fall on their home and damage it. The short answer is that you’re most likely covered. Your next question may be: What happens if it’s the neighbors tree? Yep, most likely you’re still covered. Your insurance company may decide to pay the claim themselves or they may go after the insurance company of your neighbors. You can expect to be reimbursed for damage to the structure of your home, your belongings, and possibly even for removal of the tree.


Of course ideally you wouldn’t have damage from a tree in the first place. This can be prevented by taking regular maintenance measures. For example, trim your trees regularly. Look for branches that hang too far over your home, or that look as though they could be knocked down by a strong wind. You can hire a professional to trim if you have large trees or you don’t have a ladder or other equipment. Remember that even if you are able to get paid on a claim to your home owners insurance Houston, you still want to avoid having to do so.

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There may be discounts out there that could help you save a significant amount of money off your home owners insurance policy, but in many cases it’s up to you to ask for them. One option is to have several policies with the same company. For example, the company you choose may also offer car insurance or other types of insurance. If they do, then you’re likely to get a discount on all your coverages if you choose the one company for them all. They may try to upsell you on these coverages but they don’t always tell you that one of the biggest benefits is a savings to you.


Another way to save money on your home owners insurance Chicago is by increasing your liability amounts. You may find that they’re just where you want them, but take a look at your policy and make sure that you’re happy with all of your coverages. It may require you to wait until your current policy expires to make changes, but it never hurts to get other quotes ahead of time or know what types of coverage you may want to drop. Remember though that many companies offer discounts to their clients who’ve been with them for years, so it may not make sense to switch to a different company if the savings are minimal.

Not all homeowners insurance companies will offer discounts, but some do – and it never hurts to ask. If you’re about to get quotes for coverage, then ask them if they also offer auto insurance. You could save up to 20% if you have one provider for both auto and home coverage. Fires are one of the most common claims people make against their home. Some companies have offered non-smoking discounts of as much as 20% if you don’t smoke in your home and don’t allow others to do so. You can also save up to 5% just for having smoke alarms and fire extinguishers.


If your home was built within the last 10 years, then you could be eligible for a new home discount that could save you up to 20%. Be sure you ask when you get your homeowners insurance quotes because they won’t necessarily add it automatically. The same goes for an alarm system discount of up to 10% – be sure you tell them if you have an alarm system and inquire about any discounts available to you as a result. Remember though that discounts and price aren’t the only factors to consider. You also want a company with a good reputation and good customer service.

Many homeowners are paying more for their home owners insurance then they have to simply because they don’t know of some simple ways to save a few dollars. For example, having the correct amount of smoke detectors could save you up to 5% on your home owners insurance coverage premium. Newer homes are typically more affordable to cover than older ones, but of course you can’t change the age of your home. You can, however, add a new roof, which could reduce your premium. Damage caused to roofs is one of the most common reasons a home owners insurance company pays out claims, so they’ll often charge less to someone with a newer roof.


Security is another way you could potentially save on your policy. Installing deadbolts is a good start, but a security system could save you even more. Some insurers are willing to reduce premiums by as much as 10% to those who have an updated security system. And of course having a security system can protect you against break-ins, which means you’ll have a lesser chance of having to make a claim and pay your deductible. These are just a few simple ways that you may be able to protect your home and save some money at the same time.