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Home insurance checklist - After the purchase

Posted dateOctober 19, 2007 CommentNo comment

Part 4 of 4     See Part1      Part2      Part3  

AFTER YOU PURCHASE YOUR NEW HOME

Properly maintain the house:  Maintain your home as you would your car. Every year, there are important things you should do to reduce the chance that you will experience water damage, fire or other insured loss. Insurance does not pay for routine maintenance or damage resulting from neglect. The cost for proper care should be calculated into your overall budget. It’s your responsibility to be the “risk manager” for your home. If you do your part to reduce insurance losses, not only will your home be safer, it will also save you money on your insurance bill.

  • Keep insurance up-to-date: Let your insurer know about alterations, additions and improvements to your home. Major purchases and lifestyle changes such as a marriage or divorce should trigger a call to your insurance professional. This way, you can maximize your insurance dollars by not being either under- or over-insured.

    • RESOURCES


    ChoicePointwww.choicepoint.com

    To order a CLUE report, see www.choicetrust.com

    Fair Isaacwww.fairisaac.com

    To order a credit report, see www.myfico.com

    For help with your credit score, call 800-777-2066

    Institute for Business & Home Safety www.ibhs.org

    Insurance Information Institute www.iii.org

    Insurance Information Network of California www.iinc.org

    ISO www.iso.com

    To order a copy of your A-PLUS report, call 800-709-8842

    National Flood Insurance Program www.floodsmart.gov

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