Dianne Drinkwater, Berkshire Hathaway Homeservices Florida Network RealtyPhone:
Email: [email protected]
Email: [email protected]
Home insurance can be one of the more significant expenses when you’re a homeowner. You may feel that you’ll be stuck in the same monthly premium month after month, but there’s plenty of ways that you can save on your home insurance by making a few cuts here and there.
Just like any kind of insurance, the higher that your deductible is, the lower your premiums. The main problem with this is that when you need to make a smaller claim, the insurance may not cover any of the cost. Compare the risk of paying for expenses out of pocket to the benefits of a lower insurance premium.
Having an alarm system can help you to save money on your home insurance. The types of alarm systems that are directly connected to police departments or a central monitoring place will save you more money. You’ll need proof of this in order to get a discount.
Other alarm systems like CO2 detectors and smoke alarms are generally required by law in a home, but check with your insurance company. You could save a little extra for your efforts to protect your family and home.
Most insurance companies offer more than one type of insurance. This means that they love customers who use their policies to cover everything. Bundling your home, auto and life insurance with one company can help to save you some cash.
Yes, paying your mortgage off completely sounds like a feat. Once the mortgage is paid off, however, you’ll have lower insurance premiums. This is for the simple reason that insurance companies feel that once you own the home, you’ll be more mindful of taking care of it.
Building an addition on a home or putting in a swimming pool may sound like a great idea at first. You’ll need to think of how these construction projects will affect your premiums. A swimming pool raises your liability risk. Wood structures are considered highly flammable and cost more to insure. Many things that you put in your home can drive up the cost of your policy.
You always have the right to do some comparison shopping once you get an insurance quote from one company. The place you work for may even offer some sort of group rate for insurance. Associations that you belong to may also be able to help save you some money. Do a little ground work and you may be able to save big just by comparing policies and levels of coverage.
The whole point of insurance is for you to be able to replace your valuables if damaged or stolen. If items in your home have changed, you may want to reassess the contents of your home and just how much coverage you need. If you have less to replace, you’ll save on your insurance premiums because the value of your policy will go down.
Dianne is a full time, full service, state licensed Realtor®, member of Northeast Florida Regional Association of Realtors® (NEFAR), St. Augustine/ St.Johns County Board of Realtors, National Association of Realtors® (NAR), Florida Association of Realtors® (FAR), and Northeast Florida Regional Multiple Listing Service And St. Augustine/St. Johns (MLS), Shearwater Certified, and Military on the Move Designation.
She provides a unique blend of leadership, sales acumen, project management, technology, and world class customer relation skills to enhance Watson Realty Corporation's values in the real estate sales and mortgage marketplace. She is a decisive take action solution-oriented professional with 25+ years of progressive business experience who efficiently utilizes technology to improve results. She has lived in the St. Augustine/Jacksonville area since 2005 and has seen the area continue to flourish and stays well informed of future growth plans within Northeast Florida.
Let's take a look at the lighter side of Dianne. She loves life is artistic loves music, the arts, yoga and genealogy! She loves to explore and hates to be bored. She loves the outdoors, especially plant life and wildlife. She has been a Master Gardener in Florida and Maine; as a photography enthusiast she has the eye to spot the perfect shot, which spills over to the photos she makes of the properties she markets AND frequently hires the best specialized real estate photographers/drone and videographers who make the difference in the sale. And, she loves to share her knowledge of the local real estate market and all aspects of the process to guide you through each step as a coach rather than a salesperson.
So, let's sum it up. Buying or selling your home is an important life decision. Reasons can vary greatly from change of lifestyle, to relocation or life challenges. You need someone you can trust, count on, respect and help shoulder the stress, anxiety and time commitment involved. Doesn't this sound like someone you want working for you?
So, what's the next step? Contacting Dianne of course. It is all about YOUR needs, goals, timeline and DREAMS! She's here to help you achieve them and she looks forward to hearing from you.
What are you looking for in a Realtor? - Someone who will really listen to your wants and needs? Someone who will expertly market your home until the SOLD sign adorns your front lawn or if you are a buyer tirelessly researches your wish list to find that perfect home? - How about someone who will always be honest, holds ethics in high regard as a realtor, who works aggressively to get you the best price for your home and someone who knows the market?
Selling or buying a home is a partnership with your trusted advisor- Dianne Drinkwater