Home Insurance Tips to Live By

Kemner-Iott Agency

Home Safety

• Specific features in or around your home may significantly reduce your monthly insurance premiums.

• Make sure your home is safe – and save money!

Alarm System

You may be able to lower your premium by

installing an alarm system and

dead bolting your doors

to discourage theft.

Prevent Fires

You may be able to lower rates if you

install fire and smoke detectors

Keep your electric system updated so that you can prevent fires.

Heating & Cooling System

Updating your HVAC System

Helps keep your system running smoothly

And could potentially lower your rates

Plumbing

Lower the risk of water damage by Updating your Plumbing

How Old is Your Roof?

If your roof is 10 years old, or newer, you may receive better rates

Storm Shutters

Save yourself from filing a claim, and install storm shutters

Bundle It!

Home / Auto bundling

may save you a significant amount

Where Do You Live?

Your rates may be lower if

you live close to a

Fire department or hydrant

At Risk for Floods?

Flood risk areas

will determine your flood insurance premium based on your location

If you are in a preferred area,

you may see lower rates

Asking the Right Questions

Part 2

Liability Coverage Limits

Having home insurance

may protect your home itself,

but what about your other assets ?

If you find yourself named in a lawsuit, you’ll be happy you asked

Additional Coverage

If you sign up for a standard policy, high-value items may exceed the limits of that

coverage and leave your items at risk

Ask your insurance agent if you need endorsements or riders

to protect valuable items

What is My Deductible?

If a crisis occurs, it’s always helpful to know how much you’ll need to pay out-of-pocket

before your premium kicks in

Questions? Contact Kemner-Iott

Kemner-Iott has 3 locations to serve you!

Give us a call:– Adrian:  517.265.7000– Ann Arbor:  734.971.1000– Cassopolis:  269.445.2425