When it comes to protecting your biggest investment, your home, Scully-Monroe features the finest products in the marketplace.
Whether you need single family dwelling homeowners, condominium, or renters insurance there are none better than Cincinnati's Executive Homeowners policy, Citizens Platinum Plus or Auto-Owners homeowners.
These products cover your house, your contents, your "toys", as well as your personal liability. Coverage for fire, lightning, smoke, wind damage, water damage and debris removal are all part of a well written homeowners policy. And don't forget to get adequate liability coverage. It comes in handy when those pesky, "TV lawyers" come calling if there is an injury accident on your property.
YOUR WINNING MOVE - Managing Your Insurance Costs
What is a Deductible?
A deductible is the portion of any covered loss that you pay before your policy provides payment. For instance, assume you have a covered loss of $40,000. If you have a $1,000 deductible, you pay the first $1,000 and your policy pays $39,000.
Lower Your Insurance Costs
You can lower the cost of your insurance when you increase your deductible. You start saving right away and pay the deductible amount only if you have a covered loss. For many insureds, the premium savings over time more than makes up for the occasional, out-of-pocket expense of a deductible. When you combine safety measures that reduce your chances of having a claim with a higher deductible, you may be eligible for additional premium credits due to fewer claims.
Increase Your Peace of Mind
Choosing a higher deductible also allows you to balance price and protection. You could increase your amount of coverage while keeping your premiums the same. Having more protection lets you focus on your family and decrease your worries about whether you have enough protection to cover a large loss.