Living Beaverton - Your guide to everything Beaverton


Insurance Renewal Time Already?

A lot of insurance companies have their renewal time at the beginning quarter of the year. As the bill gets bigger and bigger each year, you are wondering what to do to lower it.

photo courtesy of Mitz

Here are just a few suggestions:

    • Most people insure their home for the cost to buy a new home. When deciding how much to insure your home for, don't include the value of the land. Only the cost of rebuilding.


    • Inquire about special discounts with your present insurer. Are you eligible for a long time customer discount? Can you get a discount for also having your automobile insurance with them? Do they offer a discount to you if you are over the age of 55?


    • Ask your employer if they offer a group coverage rate. Just like health insurance, some employers offer home and auto coverage at a discounted group rate.


    • Call around! Even through your present insurer may offer long term discounts, it still may be a far better value to go somewhere else.


    • Is your home safe? Ask you insurer to do an evaluation of your home and if they give a discount on insurance if this is done. (Smoke Detectors, Burglar Alarms, Carbon Monoxide Detectors)


  • Raise your deductible to $1,000 or maybe $2,000 if your insurer will let you. This maybe able to save you over 20% on your monthly payments.

Finally, review the insurance company's financial rating. You want to hire a company that has an A+++ rating to insure that the company is strong enough, that if there should be a major disaster, that they will be able to pay your claim. 


Respect Realty LLC (Expect More)


At Respect Realty, LLC our agents believe in 100% dedication to client satisfaction.  We specialize in property and land acquisition around the Portland Metro and Vancouver, WA area. We delight in working with first time home buyers and sellers to guide them from start to finish. Our doors are always open and we are always happy to assist you with your real estate questions.


Reach out today, we look forward to talking with you!


Todd Clark and Seraina Aguayo (Owners of Respect Realty)

Respect Realty LLC (Expect More)



Thinking of buying? Start your home search by clicking here
Thinking of selling? Find how much your home is worth by clicking here


Don't forget to follow us on Social Media to keep up with the latest real estate information






Comment balloon 2 commentsRespect Realty LLC • January 17 2007 04:12AM
Insurance Renewal Time Already?
A lot of insurance companies have their renewal time at the beginning quarter of the year. As the bill gets bigger and bigger each year, you are wondering what to do to lower it. Here are just a few suggestions: Most people insure their home for the… more
Making a House a Home
You started prepping your home to put on the market. This is the time to consult a Realtor®. Why, you may ask? The professional Realtor® will help you with hints that will make your house a home to a potential buyer. A competent professional… more
How To Sell Your Home Quickly
When you put your home on the market your agent assumes that you want to sell your home as quickly as possible for the highest amount of profit. If this not what you have in mind, you need to tell your agent up front what you want. A home that sits… more
How to Make Your Investment Property Work for You
Do you own an investment property? Do you ever worry about how you are going to make money with that property? Most investors think the only way to make money is the rent. This is just not the truth! If you have a real estate agent that is telling… more
Avoiding Foreclosure
This topic is very important to me. I've seen a lot of mis-information out there and want to clear some of it up. I am a real estate agent, my career of choice My job is to put people in to homes, not take them out of it. Foreclosure is something… more
Condo Ownership - A Great Start
Are you thinking about investing in Real Estate, but feel that it is just to expensive? A great way to get into real estate with a lot less expense is getting in to the condo market. As prices continue to rise along with the interest rates. First… more
Save the Commission - “For Sale by Owner”
According the National Association of Realtors in 2006, there are expected to be 14% of homes sold without representation of a Realtor®. What was the number one reason given by the homes sellers that they didn't want to use a Realtor®? The answer… more
Time to Think About Those Pipes
Right now you are thinking it isn't time to insulate pipes. In reality, it is the perfect time. It isn't freezing yet and it iseasier to get under the house when it is dry. There are two ways that pipes can beinsulated. The first involves insulating… more
The Truth About Your Home
Who knows more about your home than you? This is the reason that disclosure forms are so important to a real estate transaction. The name of the game when selling your home is DISCLOSE, DISCLOSE, DISCLOSE The importance of this can be the difference… more
HOA – What You Need To Know Before You Purchase
What is an HOA? HOA stands for Home Owners Association Here is an example of a home owners association: When you buy a new home you think to yourself "Wow, this home would look great in Forest Green. " If the neighborhood that youare… more