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 Homeowner’s Premiums
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.
You work hard to build a future for yourself and your family, and it’s important to protect what you already have while providing for a financially stable future for your family. Whether it’s protecting assets such as your home, automobile and valuables, or ensuring that your family is taken care of should something happen to you, the professionals at Leap / Carpenter / Kemps are here to help.
LCK Insurance Agency is one of California's most prominent independent insurance agencies. They offer commercial business insurance, employee benefits, life & health insurance, and personal insurance.
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Leap | Carpenter | Kemps Insurance Agency provides Commercial Business Insurance, Employee Benefits, Life and Health Insurance, and Personal Insurance to all of California, including Merced, Atwater, Los Banos, Mariposa, Madera, Fresno, Modesto, Turlock, and Stockton.
CA License Number 0646081 | Licensed to do business in California, Arizona, Hawaii, Idaho, Montana, Nevada, North Carolina, Oklahoma, Oregon, Virginia, West Virginia and Washington.