When you’re shopping around for North Carolina homeowners insurance quotes, you’re looking for a plan that offers extensive coverage at a low monthly premium. If you live in modern house that’s located a low-risk area, it’s very likely that you’ll have a low monthly premium to begin with. If you’re living in a much older house, there are a few things that you can do to improve your standing with insurance companies. You can get much lower North Carolina homeowners insurance quotes by doing a few simple things, like preparing for bad weather or burglar-proofing your home.
Prepare for Bad Weather
There are a host of different measures you can take to minimize the damage caused by hurricanes and tropical storms. Be sure to clear any debris or lawn ornaments out of your yard and store them in a safe place. A garage can be a great place to store items in the event of a hurricane or tropical storm. During a storm, lawn ornaments can be thrown into your house with great force. This might break a window, damage the exterior, or crash into a neighboring home. Along with objects in your lawn, be wary of trees near your house. Make sure that there aren’t any branches hanging over your house. It’s a good idea to have large branches removed whenever possible.
North Carolina Homeowners Insurance Quotes and Security Systems
A quick and easy way to reduce your insurance premium is to install a top-of-the-line home security system. While a traditional security system is designed to keep burglars out and contact the police in case of a break-in, modern systems keep an eye on every aspect of your house. Fire-detection and suppression systems can be integrated into your home security panel, along with other emergency services. If you get an advanced system, it will keep track of your water pressure and notify you if there’s a leak anywhere in the house. If you have a modern home security system, then it’s very likely that you’ll get lower quotes for comprehensive coverage.
Keep an Inventory!
It’s very important that you start keeping inventory of items in your house. When you file an insurance claim, they require that you give them a list of everything that was lost or damaged. It can be difficult to remember every other than big-ticket items, so it’s a good idea to keep a constant inventory. You won’t have to keep track of every small thing you own, but you should have a list of all your valuable possessions that would need to be replaced if damaged or stolen.