WHAT ARE 3 WAYS TO REDUCE YOUR HOMEOWNER PREMIUM?

   With homeowner rates on the rise, there are some ways to help make it more affordable.  Be sure to consider carefully how your choices affect the processing of a claim.

              1.  Increase your deductibles
              2.  Remove the replacement cost on contents
              3.  Have a wind mitigation inspection (roof inspection) done

Huffington Post Pictures - Tennessee Flood

"I DON'T NEED FLOOD INSURANCE.  I'm not in a flood zone."  While this is a common thought, EVERYONE is in a flood zone.  Some are considered lower risk than others, but FEMA reports 1 in 4 flood claims are from areas classified as low or moderate risk.  Even if you area hasn't flooded before, development in the past 10 years has the potential to change the landscape significantly and increase the amount of runoff.

Many insurance companies are now EXCLUDING partial sinkhole losses on your Homeowner Insurance and including Catastrophic Ground Cover Collapse instead.  You may have the option to buy the sinkhole coverage back.