{"id":1179,"date":"2013-12-06T19:16:45","date_gmt":"2013-12-07T01:16:45","guid":{"rendered":"http:\/\/panamsaves.three.zysites.com\/2013\/12\/06\/is-it-time-to-switch-home-insurance-providers\/"},"modified":"2023-09-05T14:40:08","modified_gmt":"2023-09-05T19:40:08","slug":"is-it-time-to-switch-home-insurance-providers","status":"publish","type":"post","link":"https:\/\/www.panamsaves.com\/es\/blog\/is-it-time-to-switch-home-insurance-providers\/","title":{"rendered":"Is it Time to Switch Home Insurance Providers?"},"content":{"rendered":"<p>It&rsquo;s easy to become a creature of habit and simply renew your homeowners insurance policy when you receive a notice, but you could be doing yourself a disservice. There&rsquo;s a good chance you could be saving money with a different insurance company. The notion of savings is worth investigating, but what exactly may prompt you to switch home insurance providers?<\/p>\n<ul>\n<li><strong>Rising rates<\/strong>: If you haven&rsquo;t made improvements to your home and your insurance policy&rsquo;s benefits remain static but your premium continues to rise, it&rsquo;s time to reevaluate your insurance options.<\/li>\n<li><strong>Home renovations<\/strong>: Upgrades or remodeling may increase your home&rsquo;s overall value, which can result in the need for more property coverage. Similarly, if you improve your home&rsquo;s security (installing a security alarm, motion sensor outdoor lighting etc.), you may qualify for a safe home discount.<\/li>\n<li><strong>Life change<\/strong>: Any big change in your life&mdash;marriage, birth, death, divorce, retirement, becoming an empty nester etc.&mdash;may change the amount of coverage you need. If you need more, it&rsquo;s important that your agent makes the proper adjustments in case a covered event occurs. If you have too much coverage, you need to correct the issue to prevent paying too much.<\/li>\n<li><strong>Poor customer service<\/strong>: You don&rsquo;t necessarily want to choose the insurance provider that offers the cheapest rate. If that company has terrible customer service, it may be worth a few extra bucks to go with a company that will take your calls and accept your claims without haggling.<\/li>\n<li><strong>Bundling<\/strong>: If you insure your house with one company and your car with another, you may qualify for a bundling discount if you insure both with the same company.<\/li>\n<li><strong>Acquired property<\/strong>: If you save up to buy all new furniture or if you collect fine artwork, you may need more contents coverage then your policy offers as a standard. You can often increase the amount of contents coverage and\/or add riders to your policy for valuable items such as jewelry or expensive computer equipment.<\/li>\n<\/ul>\n<p>Apart from these instances, you should review your policy at least once a year to make sure you have the appropriate amount of coverage for a fair price. Don&rsquo;t forget, your independent agent can help you find the best deal available, whether that comes from switching insurers or staying on your current policy.<\/p>\n<p>Protect your home without breaking the bank. Call Pan American Insurance at (915) 562-0009 for a <strong><a href=\"\/homeowners\/insurance_quote.aspx\">El Paso home insurance<\/a>&nbsp;<\/strong>quote.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&rsquo;s easy to become a creature of habit and simply renew your homeowners insurance policy when you receive a notice, but you could be doing yourself a disservice. There&rsquo;s a good chance you could be saving money with a different insurance company. The notion of savings is worth investigating, but what exactly may prompt you [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":null,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[75,18,256,44,255,77],"class_list":["post-1179","post","type-post","status-publish","format-standard","hentry","category-blog","tag-el-paso","tag-home-insurance","tag-independent-agent","tag-insurance","tag-switching-insurance-companies","tag-texas"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/posts\/1179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/comments?post=1179"}],"version-history":[{"count":0,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/posts\/1179\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/media?parent=1179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/categories?post=1179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.panamsaves.com\/es\/wp-json\/wp\/v2\/tags?post=1179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}