Smart Ways to Shop for Homeowner's Insurance:

• Check with several insurance companies and agents before making a final decision on a product.
• Don't use just price to make your decision. Seek recommendations regarding a company or agent from family and friends.
• Explore the possibility of buying all your insurance products from the same source. Many insurers offer discounts if you purchase more than one policy from the same company, and it may simplify obtaining claims service if it's needed.
• Ask about other available discounts.
• Consider raising your deductible to lower your premium.
• Carefully review your policy annually to ensure that it's still current and up to date.
• Don't over-insure.
• Consider a guaranteed replacement cost policy.
• Avoid filing frivolous claims, which can end up marking you as high-risk and result in higher future premiums or a cancelled policy.

Smart Ways to Prevent Claims and Keep Your Home Safe:

• Prevent water damage by regularly checking your roof, down spouts, water pipes and sprinkler system for clogs or leaks.
• Repair loose or broken posts and check all safety latches on fences, especially around pool areas.
• Discourage break-ins by using exterior lights at night and installing deadbolts on all doors. Be sure to close lower-level windows when not at home and before going to bed.
• Turn off the propane gas when you are finished grilling.
• Especially when on vacation, use timers on inside and outside lights.
• Keep fire extinguishers in fire-prone areas such as the kitchen, laundry, garage and deck.

Ohio Department of Insurance Consumer Hotline: 1-800-686-1526