Insuring the Property
- Elementary Insurance Primer
- Replacement Value
- Homeowner's Insurance Forms
- Other Insurance Issues
- Standard Policy Exclusions
- Getting an Appraisal
- Comparison Insurance Shopping
Comparison Insurance Shopping
It is quite common for two policies with equivalent coverage to vary in cost by several hundred dollars. Do a little shopping and save.
- See if a package plan will save you money. Perhaps you can insure your automobile with the same company.
- Get comparison quotes from three to four different agents.
- If an agent handles more than one company, get quotes from several different companies.
- Watch key points within each competing policy:
- The deductible. Don't go lower than $250.
- Your limits. See if you can increase your liability limits from $100,000 to $300,000.
- How much will a floater cost if you need one?
- Make sure the cheaper policy doesn't cover cash coverage versus replacement cost.
- Select a company rated AA+ by Standard and Poor's or A+ by A.M. Best, the two independent insurance rating agencies. Your agent can give you this information.
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IT IS IMPORTANT that our customers understand that products and services made available through Osaic Institutions, Inc.
Important information about procedures for opening a new account
To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Investment products are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Insurance products offered through Osaic Institutions, Inc.
- ARE NOT A DEPOSIT
- ARE NOT FDIC-INSURED
- ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- ARE NOT GUARANTEED BY THE BANK
- MAY GO DOWN IN VALUE
Important information about procedures for opening a new account
To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Investment products are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Insurance products offered through Osaic Institutions, Inc.