Price is most certainly a factor when it comes to insurance. Just like with most other types of insurance, there are things that can increase the cost of your home owner’s policy in Paramus. Knowing what those things are can prepare you for the final cost of your policy and help you with taking steps to save money on your policy.
Swimming pools, trampolines, tree houses and even dogs are just a few things that can make your insurance costs balloon. While this isn’t to say that you should get rid of these if you have them, knowing about them can help you decide whether you really want to get your kids that trampoline or zip line they’re clamoring for.
Winding staircases and wood-burning fireplaces are also factors that can make you pay more for your home insurance, mainly because of the risk they present. You’ll also want to have your plumbing, appliances, electric system and exterior inspected to see that they’re up to code. If they aren’t, they could come back to haunt you in the form of inflated coverage costs.
Ask your agent what you can do to reduce the cost of your homeowners policy in Paramus. While there are some factors that are out of your control, there are others you can change on your own.