All Posts tagged discounts

Start Saving Money On Your Life Insurance With These Tips

Start Saving Money On Your Life Insurance With These Tips

Life Insurance Savings

Life insurance can be one of the most confusing insurance policies to buy. However, it is also one of the most important since it will provide financial coverage for your loved ones when you are gone. To start saving money on life insurance while protecting your family, take the time to compare these life insurance features.

  • Coverage options – not every life insurance company will offer the same policies with the same features. Getting quotes from various companies will help you decide which coverage options will work best for your needs.
  • Discounts – one o the best ways to save on your life insurance policy is to take advantage of all the discounts that you can qualify for. Different life insurance companies will offer different discounts, so talk with your insurance agent to find out which company will offer the best discounts for your specific situation.
  • Company reputation – one of the main deciding factors when choosing a life insurance policy should be the reputation of the company. A life insurance company with an unreliable reputation may lead to unpaid claims or a lack of coverage when needed. Look at the company’s rating with the Better Business Bureau and check customer reviews.
  • Lowest cost – if you find a few life insurance policies that meet all of your needs from reputable insurance companies, go with the one with the lowest cost. There is no reason that you should have to pay more for the same amount of coverage and options when you can get it for a lower price.

For help finding the right life insurance policy that will meet your needs, contact the Insurance Agency of Dean Davis in Austin, Texas. As an independent insurance company, we will work with you to make sure that you have the protection that you deserve, all at the right price to fit your budget.

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Do You Fully Understand Your Homeowners Insurance Policy?

Do You Fully Understand Your Homeowners Insurance Policy?

Home Insurance Factors

Your homeowners insurance policy is most likely one of the most important insurance policies you have since it protects your most valuable assets – your house. To ensure that your home insurance is working best to protect your house and assets, take the time to fully understand these policy factors.

  • Deductible – your deductible is the amount that you will have to pay out of your pocket before your coverage will kick in. Choose a deductible that you can comfortably afford at any moment in case of an accident.
  • Premiums – this is the amount that you will pay for your coverage each month. One of the best ways to keep your premium affordable is to choose the highest deductible that you can comfortably afford.
  • Discounts – just like all of your other insurance policies, there are plenty of discounts that are available to help lower the cost of your policy. Talk with your insurance agent to see if you are taking advantage of all the discounts that you qualify for.
  • Liability limits – your liability coverage will provide coverage for any legal fees that you incur when someone is injured while at your house. Make sure that your liability limits are high enough to protect all of your assets.
  • Exclusions – even though your home insurance policy will provide coverage for many situations, it will not provide coverage for everything. Knowing what is excluded will help you figure out if you need additional insurance policies to stay protected.
  • Renewal period – typical homeowners insurance policies will need to be renewed either annually or bi-annually. Choose the option that will work best for your finances and needs.

Contact the Insurance Agency of Dean Davis in Austin, Texas to ensure that your homeowners insurance policy is working its best to keep your home and family safe.

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