Doubleday Insurance Agency Blog

     In some areas of the country property values have been hurt.  Some consumers are considering reducing policy limits on their Iowa Homeowners Insurance as a way to save on homeowners insurance.  While there are options for reducig homeowner premiums, it's important to maintain coverage levels that match the REPLACEMENT COST of your home.  It costs a lot more to rebuild than to buy a home right now.  When you rebuild you have costs you don't have when buying an existing home, such as debris removal.  This can be thousands of dollars more. 

     Here are some ways you may use to reduce your homeowners insurance premiums. (1) Check if there are discounts available that are not now being applied to your policy.  (2)  Check to see if you have all your policies with one carrier, if possible.  (3)  Increase your deductible.  Many are still carrying $100 or $250 deductibles.  This is way low in today's financial climate.  (4) Check with us for the lowest rate possible with our many companies.