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What affects your insurance rates? The answer is not so simple, but it is explainable. The bottom line is the price you ultimately pay is primarily determined by which tier you qualify for. Companies used to have approximately 3 –4 tiers and now most have at least 20. Factors like personal credit history, maintaining prior insurance with no lapse, and your driving record are the primary driving forces behind which tier you may qualify for. Although many people don’t agree with the use of credit, there is a lot of research indicating a strong correlation between a person’s financial responsibility and the probability of them having a claim. Tip – Having liability limits of at least 100/300/50 on your prior policy will pre-qualify you for a better tier. Have a water-proof / fire-proof receptacle for valuable papers and documentation Take photos of your valuables and inventory them Have current appraisals on hand for all fine art and jewelry Keep aisles and hallways free of debris Check the batteries on smoke detectors when you change your clocks for daylight savings time Keep trees trimmed at roofline and keep gutters clear Don’t leave home w/dryer running Keep dryer screen clean and vents clean Don’t leave a room with a lit candle Area rugs are a danger for the elderly

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