Credit back to FW

*MOST insurance companies run a credit report to help come up with the correct market tier you are placed in. With my company, modeled after many in CA, you can call up within the first 6 months and have them re-run your credit to see if it comes in a better tier and thus lowering your rate. I assume its a soft pull since its from Choice point.

*If home prices go up drastically in your area call your insurance company and ask them to re-run a replacement cost estimator report to more accurately insure the replacement coverage on your policy. Your insurance company will only pay for the cost to completely rebuild your home, its very important to have accurate coverage.

*If you have assets over 1 million, you better at least have a 2 million dollar excess liability endorsement on your policy. This covers all areas of liability, home, auto, watercraft, pretty much anything that is not business related.

*The age of the oldest insured and number of occupants in a home have a pretty big impact on your premium as well, the older and fewer people the cheaper.

*Check with your insurance carrier, there are many endorsements that they don't normally tell their insured's about. From special coverage for computers to coverage for home-based business equipment, they have it all.

*If your home is in really bad shape, do not switch insurance companies. There will be an inspection (90% of the time) on your home and underwriters will cancel your policy if it looks like a bad risk.

*Many companies will give discounts if you have done major renovations to electrical, plumbing and/or heating if your home is over 40 years old.

*If you own a swimming pool, trampoline or dog I would recommend getting at least 500,000 in liability coverage for your policy.

*The distance to the nearest fire hydrant has a big impact on your premium if you live in a rural area, usually the cut off is 1,000 ft for a higher premium, just a hint if they ask.

*If a major renovation is planned for your home, get a course of construction endorsement, this allows coverage for building materials during the remodel, theft of these items are extremely common.

*MOST insurance companies run a credit report to help come up with the correct market tier you are placed in. With my company, modeled after many in CA, you can call up within the first 6 months and have them re-run your credit to see if it comes in a better tier and thus lowering your rate. I assume its a soft pull since its from Choice point.

*If home prices go up drastically in your area call your insurance company and ask them to re-run a replacement cost estimator report to more accurately insure the replacement coverage on your policy. Your insurance company will only pay for the cost to completely rebuild your home, its very important to have accurate coverage.

*If you have assets over 1 million, you better at least have a 2 million dollar excess liability endorsement on your policy. This covers all areas of liability, home, auto, watercraft, pretty much anything that is not business related.

*The age of the oldest insured and number of occupants in a home have a pretty big impact on your premium as well, the older and fewer people the cheaper.

*Check with your insurance carrier, there are many endorsements that they don't normally tell their insured's about. From special coverage for computers to coverage for home-based business equipment, they have it all.

*If your home is in really bad shape, do not switch insurance companies. There will be an inspection (90% of the time) on your home and underwriters will cancel your policy if it looks like a bad risk.

*Many companies will give discounts if you have done major renovations to electrical, plumbing and/or heating if your home is over 40 years old.

*If you own a swimming pool, trampoline or dog I would recommend getting at least 500,000 in liability coverage for your policy.

*The distance to the nearest fire hydrant has a big impact on your premium if you live in a rural area, usually the cut off is 1,000 ft for a higher premium, just a hint if they ask.

*If a major renovation is planned for your home, get a course of construction endorsement, this allows coverage for building materials during the remodel, theft of these items are extremely common.