In many cases, it costs more to reconstruct a house than the house would bring on the open market. You can take steps to lower the cost of your premiums. Many companies offer special discounts and credits for such features as fire extinguishers, sprinkler systems, burglar alarms and deadbolt locks. These are factors in loss prevention, which ultimately help control insurance costs. Small claims are expensive for insurance companies to handle.
Auto insurance blends several types of coverage into one policy.
Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage. Reduce the coverage amounts or raise the deductible and the cost of the policy goes down. Please contact the Personal Insurance Department we can work with you to find the right product for your needs.