Providing home loan mortgage financing in Lake, Geauga, Mahoning, Columbiana, Erie, Sandusky, Seneca, Wyandot, Putnam, Hancock, Ottowa, Fulton, Williams, Henry, Defiance, and many more Ohio counties.
Providing financing in Lucas, Cuyahoga, Lorain, Medina, Wood, Summit, Montgomery, Licking, Deleware, Warren, Hamilton, Butler, Franklin, Fairfield, Stark, Wayne, Knox and many other Ohio counties.
Providing home mortgages in Findlay, North Ridgeville, Highland Hills, Beachwood, Moreland Hills, Ashtabula, Rock Creek, Delaware, Franklin, Brunswick, Geauga, Grafton, Lorain, Green, Bath, Sandusky, Port Clinton, Huron and many other Ohio communities.
 
Providing mortgage financing in Cleveland, Cincinnati, Toledo, Bowling Green, Columbus, Akron, Canton, Avon, Strongsville, Avon Lake, Solon, Dayton, Medina, Wooster, Youngstown, Alliance, Mentor, Elyria and many other Ohio cities.
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Ways to Save Money on Homeowners Insurance 

To save money on your homeowners insurance there are many ways to accomplish this. First off shop around between different insurance companies to make sure you are receiving a fair quote. Different companies have different rates for different borrowers. Also, make sure your credit is as high as possible and in as good of shape as possible because homeowners insurance companies take your credit into consideration when they are issuing insurance rates for policy holders. There have been studies done that have linked lower credit score borrowers to a higher percentage of claims than consumers with higher credit scores. Therefore, read on to find out more ways to help save money on homeowners insurance.

STAY WITH AN INSURER... If you've kept your coverage with a company for several years, you may receive special consideration. Several insurers will reduce their premiums by 5 percent if you stay with them for 3 to 5 years; by 10 percent if you remain a policyholder for 6 years or more.

Installing a security system in your home can reduce your homeowners insurance by as much as 20%. Consult with your insurance agent for more details.

In addition to keeping all your insurance policies with the same company, look into purchasing an umbrella policy. This can help in covering things that aren't covered by the others as well as decreasing overall expenditures each year. Your insurance company rep can help you with all of this. If you do not have a good agent, ask David J Zwierecki for some excellent contacts.

You may also get a discount by having your auto and homeowners' insurance with the same company.

Many insurance companies have also begun to base your premiums off of your credit rating. Making responsible financial decisions and paying your bills on time will help you keep your premiums down as well.

Review your coverage with your insurance agent from time to time. While it is important to have sufficient coverage on your home, over-insurance is wasteful. As a measure to curb insurance fraud, regardless how much insurance coverage is purchased, insurance companies usually do not pay out more than the replacement cost of the insured property.

Many insurance companies have multi-line discounts if you carry several policies with the same agent. Sometimes, adding a life insurance policy can be done at almost no cost when discounts are applied from other products such as a home owner's policy or automobile policy. Also, if you use renter's insurance and have decided to buy a home be sure to ask your agent if you have earned any credits from your renter's policy that can be used to reduce the premium on your home owner's policy.

Combine all accounts that you can with the same insurance company. You can normally buy insurance policies for life, disability, auto and home owners from the same insurance company. the benefit to this is you may save money on the other policies ass well. By also keeping claims to a minimum your policy premium should normally decrease over time or increase very little compared to someone who makes numerous claims.

Saving money on homeowner's insurance during a refinance by staying with the same insurance company is a great first step to saving money on your refinance closing costs, but for even greater savings, you may qualify for a discount from your title insurer as well. Discuss the option of not only using the same hazard insurance company for your refinance, but also electing to stay with your current title insurance company, with your refinance advisor during the early stages of the application process.


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