Trident Insurance Quick Tips

THINGS TO KNOW WHEN BUYING HOMEOWNERS INSURANCE

SHOP YOUR POLICIES

• If you have been with the same carrier for more than 5 years, you are probably overpaying.
• Trident Insurance will shop your policies for you with only top-rated carriers.

THINK AHEAD

• If you are going under contract to purchase a home within the next 45 days, getting your insurance quote before you begin the loan process may result in a better premium.
• We will work directly with your loan officer to provide a seamless closing process.

UNDERSTAND YOUR COVERAGE

• Our goal is to provide you with the most appropriate coverage at the lowest price.
• Your policy will include the most commonly used coverages along with recommended coverages to ensure you are fully covered.

UMBRELLA POLICY

• Also known as an excess liability policy, an umbrella policy protects you and your family in the event you are found liable for a covered accident under your home or auto policy.
• Umbrella policies start at $1 million in coverage and are relatively inexpensive.
• The coverage will kick in once the covered claim has exceeded the underlying policy liability limit.

UNDERSTAND YOUR DISCOUNTS

• Most carriers offer the largest discounts for bundling your insurance policies together.
• Other discounts include having a new roof, a monitored fire/burglar alarm on your home, good student discount on your auto policy, paying your auto policy in full, and more.