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You can also change your deductible to lower the cost of your insurance. By raising your deductible, you might be able to lower your cost of insurance by almost 10%. However, you must be able to pay the deductible amount should you have a claim.
Another option is to look for available discounts that you might be qualified to receive, such as if you have multiple cars insured under the same policy, you carry homeowners and auto insurance with the same company, you qualify for a good driver or good student discount, your car has an alarm, or you're a member of a qualifying group and/or association.
The first section covers damage to your house, its contents, landscaping, etc. Make sure you know what is covered and what isn't covered by your policy since many do not cover flood damage, debris removal, and other such exceptions so the purchase of additional coverage may be necessary. Also, remember to discuss the value of your personal property with a Sundahl & Co agent. They can help determine whether you need additional coverage to protect certain high-value items not adequately covered by a standard homeowners policy, such as expensive jewelry and antiques.
The second section covers claims made by people who may have been hurt on your property. It's important that you have enough liability coverage to protect your current savings and future earnings should you become engaged in a lawsuit. Additional liability coverage is available by purchasing an umbrella policy. Discuss your specific situation with a Sundahl & Co agent to determine what coverage makes the most sense for you.
What is fire legal coverage?