Maximizing Discounts

Maximizing discounts when you purchase insurance is consumer wise. For instance, having your home and auto together garners a 25% discount on your home insurance and a substantial discount on your auto insurance at Allstate. Did you know you could get a discount in some cases for receiving your bills by email versus paper? Did you know paying your bill electronically can earn another discount? Annual Reviews with your agent are important.

Correcting Fire Protection Class

Insurance companies are beginning to subscribe to ISO to properly determine the correct Fire Protection Class for the property insured. Each property (home or rental) has a specific contractually-obligated Fire Department that is it's primary responder. The property owner may have believed that XYZ FD was the department handling them at the time they bought their property insurance. Now, with the correction, they may find that another department handles them and this may cause an increase in premium because the correct Fire Department may not have the equipment or rating of the department formerly believed to be the correct department. Insurance companies are taking action and adjusting premiums. You need to know.