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September 30, 2022 By Rick Rolfs

Tips to Save Money on Homeowners Insurance

Here are some basic questions and answers which you should consider when looking at the cost of homeowners insurance and your home or home improvements.

How can comparing quotes help homeowners save money on expensive endorsements or additional coverage like flood insurance?

Comparative shopping is always prudent. Certain carriers have appetite for risks that other carriers do not and the premiums are commensurate with that appetite. The current Florida insurance marketplace does not offer a wide variety of choice in that many carriers are not freely writing insurance, but for those that are, it is a good idea to see what they have to offer to optimize coverage for the best possible premium.

Is it possible and wise for a homeowner to compare insurance companies based on more than just cost, such as the percentage of claims that are denied?

It is always prudent to seek multiple offers of insurance. Comparing factors such as financial solvency, coverage terms, conditions, and limitations is smart but not always easy to do. A good agent with knowledge of these things can make this easier for a client to understand as the layman may find this very challenging without a deep knowledge of the issues. This information for comparison is not always readily available in the public forum.

What are your top tips for saving on the cost of homeowners insurance?

Cost savings are best achieved with full wind mitigation, water leak mitigation, theft deterrence such as a central station monitored alarm system, and the obtaining of multiple offers of insurance to the extent to which they are available. Today many people are doing without valuable endorsements, such as, replacement cost coverage on contents in order to save money as well as attempting to reduce the dwelling coverage by working the replacement cost estimate. While these moves can produce savings they also may leave the insured without proper coverage in the event of an occurrence. Premium savings must be carefully considered in terms of the risk/reward benefits.

How does the home’s construction type impact insurance or other costs?

Construction type as well as the year built of the dwelling are significant factors which impact the cost of insurance. Typically, masonry constructed homes are less expensive to insure than frame constructed homes while homes with steel reinforced concrete roof decks are less expensive to insure than homes with wood truss roofing systems. Homes that have opening protection that meet the Miami-Dade County code are less expensive to insure than those homes that do not have these features. When looking for a home with insurance premiums being an escalating ongoing cost, it is important to find a dwelling that has the best construction type and features to maintain the lowest possible insurance costs.

Call us at 954-251-3312 or contact us for more information or to have a more detailed discussion regarding your specific situation.

Filed Under: Home Insurance, Newsletter articles Tagged With: construction type, deterrence discount, endorsement, expensive, financial solvency, flood insurance, Florida, home, homeowner, homeowners insurance, Insurance, insurance cost, Miami-Dade, Palm Beach, reinforced concrete, replacement value, save on insurance, shop insurance, shopping, theft, Tips, water leak detection, wind mitigation

August 1, 2021 By Rick Rolfs

Should You Be Worried About Your Appliance Hoses?

There’s a ticking time bomb in your South Florida house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage.

We here at Rolfs Insurance Services are talking about faulty appliance hoses, of course.

Consider your humble washing machine: According to the Insurance Institute for Business & Home Safety (IBHS), washing-machine failures cost an average of more than $5,000, and faulty hoses are responsible for more than half of those failures.

You can take steps to defuse these ticking time bombs — or at least make them less likely to go off. Here are the common hoses and tubes you should be checking:

Washing Machine
Most washing machines come with rubber hoses that connect to your water supply — hoses that can wear out and eventually burst. The IBHS says to check frequently for blisters, worn tubing, stress cracks and loose connections. Even if there is no obvious wear, replace hoses every five years. Use a reinforced steel-braided hose, as they are less likely to fail.

Dryer
Although you should clean the lint trap in your dryer with every load, danger lurks behind the dryer as well. Flexible plastic or foil ducting can easily trap lint and increase the risk of fire, according to the U.S. Consumer Product Safety Commission. The agency recommends the use of a rigid or semi-rigid metal duct instead. Whichever you use, be sure to disconnect and clean the ducting annually.

Refrigerator
If your refrigerator has an icemaker or water dispenser, it also has a hose connecting it to the water supply. Replace the standard hose with a steel-braided line for added security.

Dishwasher
Dishwasher leaks can easily go undetected, so it’s important to check these connections regularly as well. Make sure that hoses and lines have no kinks, and periodically remove and clean the filter in the dishwasher, which is designed to stop food pieces from making it into the drain hose.

Gas Grills
At least once a year (typically when you fire up the grill for the first time after winter), check the hose connecting the fuel source to the burners. Simply brush it with some soapy water, turn the gas on (do not light the grill) and check the hose for air bubbles. If you see any, replace the hose and fitting.

In addition to checking your hoses regularly and replacing them when needed, there are monitoring systems available now that can automatically shut off your water supply in the event of a failure. Some detect leaks with moisture indicators, while at least one new system actually checks your water meter for unusual activity.

To further protect you, your homeowners insurance may cover certain damage that results from appliance hose failures. But, it all depends on the circumstances of your situation and on your specific policy. You may find that an appliance hose failure is not covered by your insurance, so it’s best to maintain your appliances to avoid damage in the first place.

If you have questions about your homeowners insurance coverage or need help with a claim, we here at Rolfs Insurance Services are happy to help.

Filed Under: Appliance Maintenance, Home Insurance, Newsletter articles, Property Maintenance, Water Damage Tagged With: Appliance hoses, dishwaser, Florida, gas grills, home, home insurance, home maintenance, homeowner, homeowners insurance, Insurance, maintenance, property maintenance, refrigerator, Rolfs Insurance Services, South Florida, washing machine maintenance, water damage, water supply line

Call Rolfs Insurance Services to get an informed choice that provides peace of mind,
and the knowledge that you have proper financial protection in place — 954-251-3312

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10011 Pines Blvd
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Pembroke Pines, Florida 33024
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