How to Keep Your Home Insurance Coverage from Being Dropped and Possibly Lower Your Premiums Tips

Now more than ever it is difficult to Get Home Insurance and keep it, especially in California, Florida and "tornado states" or recent "disaster areas" -- Here are a few tips on how to Keep your home insurance from being Cancelled:

• Don't file minor claims, pay the damage yourself if it's less than $1000.
  
  
• Get a CLUE Report -- Click Here for Explanation Errors on this report can increase your premiums.
  
  
• Received a cancellation notice? Try negotiating with the insurance company on ways to keep your policy like increasing your deductible.
  
  
• Don't switch home insurance policies if it only means saving a few dollars. You're more likely to be cancelled if you file a claim within 6 months.
  
  
• One way to lower premiums is going to the highest deductible -- usually $2500.
  
  
• If switching policies, keep the Old one until the New one has been "locked in" -- usually 60 days.
  

Source: Kiplinger's Personal Finance

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