Homeowners Insurance in Coastal locations

CT is one of the states that will require insurance companies to sell discounted premiums to owners who take extra precautions to protect their homes. These discounts will depend on the state and the insurance company. Homeowners should find out what kind of improvements can entitle them to get a reduction in their premiums by consulting with their insurance agent.

Beginning next year Connecticut will require that coastal homeowners who install storm shutters or impact-resistant glass be offered reduced premiums or deductibles.

One alternative for lowering out-of-pocket premiums without making improvements is to raise the amount of a deductible, and again, homeowners should get advice from their insurance agents.

The Institute for Business and Home Safety presents in its website www.ibhs.org some very useful information on how to protect a home from natural disasters.

Consult your Insurance Agent.