How Homeowners Can Save Money $$$ When Buying Insurance in South Carolina

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How Homeowners Can Save Money $$$ When Buying Insurance in South Carolina

Posted By: Zack H | Posted On: 2008-10-06 | Article ID: 100662

Here is some wisdom about how to save money when buying Homeowners Insurance from a Gal I really trust. Me!

Most of us don’t really enjoy looking for insurance . . . it’s like pulling teeth. It’s not a pleasant experience, but a lot of people find themselves in the position of having to shop for homeowner’s insurance every couple of years or so. However, it really does pay to shop till your drop when it comes to getting the best rates for your home.

As an example, a couple of years ago, I received my renewal notice in the mail for my homeowner’s policy and nearly hit the roof. The premium on my policy for my modestly sized home, although I had submitted no claims during the year, had nearly tripled in cost! It had gone from approximately $600 per year to almost $1,500 per year! I was flabbergasted and wasted no time getting on the phone with my agent, to find out what had caused such a high increase. I was told that everyone living in my particular county in SC had received such a high rate increase, and it was simply a matter of claims experience in the county for the previous year having been extraordinarily high. He did offer to “shop around” for me to see if he could lower my rate a bit, but called back a day later saying he didn’t have any luck and I was getting the best rate I could possibly get in my county.

Not wanting to believe this forecast of doom, I set out on my own to try and find another insurance carrier that would offer at least reasonable rates for covering my home. True, I did run into several of the big name carriers who either refused to even issue a policy in my county, or ones that quoted a rate similar or even higher than my exorbitant renewal premium. Undaunted, though, I pressed on, and eventually found a well-known insurance company that quoted a rate only a couple of hundred dollars higher than my old rate, before the renewal. Wary of the relatively “low” rate, I thoroughly checked into the coverage limits, deductibles and exclusions on the policy, and found that the company was indeed offering me almost the same exact coverage as my current policy, at much cheaper rates. Naturally, I jumped on it and have been extremely satisfied over the last 2 years, without receiving any renewal rate increase this past year.

The moral of the story here is, “If at first you don’t succeed, try, try again!” Persistence can and will probably pay off if you can stay the course and wade through the insurance jungle.

There are still good companies out there who offer rates that won’t break the bank.

Article Source: http://www.articlecell.com

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Zack H
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