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Trout Insurance Blog

Optimizing Your Home Insurance Coverage  In a Hectic Market

6/6/2023

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The increased frequency and intensity of natural disasters in the United States, and the growing concerns with Climate Change have caused insurance companies to react with increased rates and some reductions in coverage. Below are some tips to help make an informed decision when purchasing your next home or home insurance coverage. 

Before the Purchase

Before purchasing a home or home insurance policy, examine the risks. You can enter the home address into a Risk Calculator, like Risk Factor to help look for potential perils. Also, consult with your agent about what insurance carriers could work best, and to check on the carrier's rating from A.M. Best.

Review Your Policy

Shop around for new policies each year, as rates and needs can change. For example, inflation has drastically impacted construction costs, so your existing coverage may not be enough to cover major repairs. Read the terms of your coverage. Make sure your "Replacement Costs" of your home and it's contents are covered. We recommend contacting your agent to review this policy information.

Reduce Costs

Bundling home and auto coverage (among others) is one potential way to get a discount and save money. Getting the most coverage for your money is a priority, so also make sure that you're over insured for perils that may don't affect you. Home improvements, like securing your roof from wind damage or cutting brush back to reduce fire risk will reduce risks to your house and may also deliver some savings on your insurance.

​Contact your agent today to learn more about your policy and explore other options.

​

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  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • ACA 2025 Checklist
      • Blue Cross Blue Shield Customer Services
      • Aetna/CVS Customer Services
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
  • Community
    • WNC Strong
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us