When buying a home, you likely take into consideration a wide variety of factors. You may choose an area where there’s a good neighborhood for your family. You may choose based on how far away it is from your employment. But, did you think about how close the fire station is? For many people, this is not something that makes a big difference in their daily lives simply because most people do not think about the risk of a fire. However, you may find that living closely to a fire station can be a very good thing for your home insurance rates.
Providing Accurate Information
When completing your home insurance information for your new policy, provide the agent with up-to-date and accurate information. He or she will likely take the time to find out where your home’s location is compared to where the local fire department is. However, if you know you live close to one, be sure to mention this to your agent at the time of requesting coverage. It could help you to save money on your home insurance premium.
Your agent is also likely to talk to you about the location of the nearest fire hydrant. Having one in your yard may not seem like an attractive option. However, if it is close, such as within one or two homes, this means your home has better access to water if and when a fire occurs. Again, this reduces the amount of risk you present to the home insurance company and leads to lower insurance rates.
As a homeowner, it pays to know all of the ways you can save money on your insurance costs. For example, when choosing a community to buy a home in, look for one that has a low crime rate. Look for one that does not sit in a high-risk flood zone. And, be sure to tell your insurer about any features that can help to make your home safer such as a home security system and fire detectors. These steps can help your home to be safer, and as a result, it may help the insurer to reduce your rates substantially.
If you think your home could qualify for special home insurance savings, call Peachstate Insurance today at (877) 997-2478 for a College Park insurance quote.