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Peoples Choice Insurance Blog: 11_2012

View the latest blog posts from Peoples Choice Insurance.

Monday, 26 November 2012


It's not about the big insurance company's anymore. It's about getting the right deal on car and homeowners insurance. Broker's today are doing there job of finding the right insurance company for the right person or household. The cookie cutter large captive agency's have it only there way. Meaning you must have perfect history of losses and now even perfect credit. Let's take examples a person who uses there credit cards often will have a lower insurance risk score contributing to higher rate quotes than one who pay's there credit cards off when they receive a bill. We at Peoples Choice Insurance Agency don't believe that this is the case. When you go to a broker we can tailor the quote to the clients needs. Michael DiGennaro owner at Peoples Choice insurance agency has experience in reading into Motor vehicle reports and if need be credit reports. It doesn't take a genious Mike say's. it just takes experience. Mike is offering free rate quotes on Auto Quote Form (short) and Homeowners Insurance Quote. We have what it takes in today's climate.  

Business insurance can be of the same nature so call or Business Owners (BOP) Quote Form or write so we can save you money.

By: Michael DiGennaro

You may be able to save hundreds of dollars a year on homeowners' insurance by shopping around. You can also save money with these tips:

  • Consider a higher deductible. Increasing your deductible by just a few hundred dollars can make a big difference in your premium.
  • Ask your insurance agent about discounts. You may be able to get a lower premium if your home has safety features such as dead-bolt locks, smoke detectors, an alarm system, storm shutters or fire retardant roofing material. Persons over 55 years of age or long-term customers may also be offered discounts.
  • Insure your house NOT the land under it. After a disaster, the land is still there. If you don't subtract the value of the land when deciding how much homeowner's insurance to buy, you will pay more than you should.
  • Don't wait till you have a loss to find out if you have the right type and amount of insurance.
  • Make certain you purchase enough coverage to replace what is insured. "Replacement" coverage gives you the money to rebuild your home and replace its contents. An "Actual Cash Value" policy is cheaper but pays only what your property is worth at the time of loss your cost minus depreciation for age and wear.
  • Ask about special coverage you might need. You may have to pay extra for computers, cameras, jewelry, art, antiques, musical instruments, stamp collections, etc.
  • Remember that flood and earthquake damage are not covered by a standard homeowners policy. The cost of a separate earthquake policy will depend on the likelihood of earthquakes in your area. Homeowners who live in areas prone to flooding should take advantage of the National Flood Insurance Program.
  • If you are a renter, do not assume your landlord carries insurance on your personal belongings. Purchase a separate policy for renters.
  • Peoples Choice Insurance Agency has 12 insurance company's fighting one anotherr to give you the lowest price and the best coverage for less. Call the Broker at  888 573-2230 or to fill out a on-line application.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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