Frank W. Molinaro
Insurance Agency

  57 North St - Suite 119 - Danbury , CT 06810

(203) 748-3563  -  (203) 792-3055  -  (203) 790-5459 FAX

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Homeowner Insurance

11 ways to save money when you buy your homeowner policy.


1.  Select a strong insurer. Fast, fair claim service is a must when it comes to homeowner insurance.

     Ask about the company.
2.  Don't guess at your coverage. The cost of rebuilding your home might exceed your estimate.
3.  Consult your agent and determine how much you need to rebuild from the ground up. (In the event

     of a fire, you could be left with just the foundation.)
4.  Don't underinsure your possessions. Saving a few dollars up front could cost you a significant

     amount of money at a time of loss.

5.  Choose an appropriate deductible. The higher the amount of

     property loss you elect to "self insure", the lower you

     premium will be.
6.  Schedule Artwork, Furs, Jewelry, Antiques and Collectibles.

     Make sure all items of this nature are specifically insured

     for the correct value.
7.  Make sure you get proper credits. Most policies offer

     discounts for central station and other types of alarm

     systems, dead bolt locks on all exterior doors, smoke detectors, fire extinguishers, etc.

8.  Check on your coverage for "living expenses". In the event of fire or other damage to your home,

     your policy should provide adequate coverage for alternate lodging during the period of rebuilding.
9.  Find out about excess liability. Don't take liability coverage for granted, especially if you have a

     swimming pool on your property or a "frisky" pet. Lawsuit settlements really have become

     excessive.
10.Don't ignore earthquake and flood insurance. "It can't happen here" has cost many a homeowner

     thousands of dollars. Neither peril is covered under a standard homeowner policy--check them out.
11.MOST IMPORTANT - Talk to us. We're independent agents representing several companies that

     want to compete for your business. Let us do the "shopping" for you. We can almost certainly save

     you money and concern.

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