Homeowner’s Insurance Explained

Many people believe that they have little or no control over their homeowner’s insurance.  Often, people think that premiums are determined by some “secret formula.”  It is true that every company has rates for their homeowner’s premiums, but there are many factors that help make up your homeowner’s premiums.
Factors that help determine your Seattle homeowner’s premiums

• Location
• Age of home
• Age of roof
• The replacement cost
• Distance to fire station

Get the best possible homeowner’s premiums

• Install deadbolt locks.
• Increase your deductible.
• Some insurers offer occupational discounts for teachers, police, firefighters, government employees, etc.
• Install a central station security system.
• Your agent can help you evaluate the different policies and companies so you can make the choice this is right for you.
• Ask for other discounts offered by your insurer.
• Make sure your replacement cost is up to date.
• Do you have replacement cost or actual cash value (ACV) coverage?  We recommend replacement cost.
• Do you need loss of use coverage? Most homeowners and renters do.

 
Strive Insurance Group, Inc. is a full-service independent insurance agency that has been serving the insurance needs of the Dallas area since 1984 (formerly Gordon Lund Insurance). Don't worry, nothing has changed, but our name. In addition to having a presence in the Dallas and North Texas area, we have also expanded to Austin and Central Texas with agent representation and the same professional service.
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We represent, and have established a strategic alliance, with only the highest quality insurance carriers. In doing so, we can provide you with the service and protection to meet your dynamic needs. As your needs change, we can review and collaborate to decide which insurance company or companies are best suited to your situation.