If you have not gone “insurance shopping” in the last 2 or more years, it’s likely that you’re paying about 30% too much in homeowners insurance premiums. This is because a lot has happen to economies recently, even at a local scale, and there was barely any industry left untouched. Money was scarce, and homes were given up. Insurance companies had to fight to get clients, and part of that was a price war. You need to check what the current market rates are and compare to what you’re paying – you could save 30%.
And if Republicans want to make an issue of raising taxes in this economy ignore it. Remember the Oscar Wilde line about knowing the cost of homeowners insurance everything and the value of nothing.
If your committee is dealing with important issues and or events, there may also be additional benefits in the way of local media coverage. I always made sure I chaired at least one or two events a year, and I picked the ones that were most likely to effect a large segment of the community “in a positive way”. This becomes important. For instance, you may want to think twice about chairing a committee to recall the local mayor and opt instead to take over the Christmas Parade.
You MUST have a mix. Not too heavy on either. Why? Overall market viability. Today’s MLM opportunites that are going great guns, appear to have a great mix of ages, and the average age is not too young, but yet, not too old. This is a hidden factor that speaks volumes of the MLM opportunity.
And what about the time it would take, plus all the shipping costs and cheap homeowners insurance Texas, time at the post office, purchasing proper packaging material – since most likely you don’t have the original packaging anyway!
Your association might arrange discounts with an insurance company that you could benefit from. Find out from any association or group you belong to. You might already have discounts that have been arranged for you. However, certain insurers who do not offer any form of discount to your group might still end up being much cheaper for you. This is one of the main reasons I ask people to make out time to get multiple quotes. Every insurance expert knows that this is the only way you can know whose the best offer is.
Reason #2: Homeowners insurance can cost a fortune. Insurance rates are based on what experiences insurance companies have with losses. In many areas of the country, those losses are fairly stable and predictable. It’s easier for an insurance company to decide what to charge as a premium when they can reliably predict what their losses are likely to be. Having stable predictable losses also allows for companies to lower rates to gain customers because as long as they collect more than what they will pay out, they can still earn a profit.
It is important to hire experts that will not take advantage of your situation. Make sure they are a local company that has been around for a number of years, and not just a fly-by-night company that chases floods to take advantage of those who have much loss. The latter companies will likely charge exorbitant prices. Your best bet is to go local or with a national franchise. Quickly compare prices and a few reviews, and choose the best option.