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Risky Home Insurance Customers

iStock_000018477573Medium-347x231Do you cringe at the sight of your homeowner’s insurance bill? Perhaps you have been denied coverage all together. If so, you might just be what insurance companies consider a “liability.”

The truth is that your home insurance, like car insurance, has as much to do with you as it does the actual state of the building. However, tickets and accidents don’t factor into your monthly payment in quite the same way that a low credit score can.

You read that right, if you have a low credit score, your home Destin insurance provider could consider you a risky customer. The good news is that over time with prompt payments this issue can resolved.

Other high insurance policies usually fall in the laps of a dog-lover and a pool-owner. As surprising as it sounds, certain breads like Pit-Bulls, Dobermans and Rottweilers can elevate your risk as a policyholder and spike your bill. And for pools? Well, according to the Consumer Product Safety Commission over 5,100 pool/spa related injuries occured in children under the age of 15 from 2010 through 2012 leaving insurance providers a little less enthralled with your blue lagoon.

As frustrating as it is, the best way to find insurance is the same way you found your real estate in Destin – shop around. Each carrier has a different way to determine risk, so look for the one that is best for you.

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