It’s no secret that the more claims you make on your habitational insurance policy, the more your premiums and deductibles are likely to increase. Whether you are covered by a renters, homeowners, or other habitational policy, chances are that you want to keep those premiums and deductibles as low as possible. Reducing the number of claims per policy is also a goal of habitational insurance carriers, and here are some tips for how you can do it.
Ways to Reduce Insurance Claims
There are several ways that you can avoid having to file a claim on your insurance policy. These include:
- Conducting regular inspections & maintenance. Catching a problem early can save hundreds of dollars or more in repair costs, and keep you from having to file a claim.
- Following all safety recommendations. Keeping everyone who lives in your residence, as well as any guests, safe can help reduce casualty claims.
- Being weather-wise. Damage from storms and natural disasters are among the top reasons for insurance claims. Prepare ahead of time for severe weather to help secure your home and prevent costly damage.
Habitational insurance carriers will thank you for your efforts to reduce claims on your insurance policy. Your wallet may thank you even more, as you enjoy lower premiums and deductibles as payment for your preparedness.