If you're a homeowner, hopefully you have a homeowners' insurance policy in place. Doing so can protect you from major financial loss as a result of damage or vandalism to your home. Still, there are a lot of things about your homeowners' insurance policy that many people simply aren't aware of.
You May Be Able to Re-Open an Old Claim
Here's a hypothetical situation: your home is damaged by a fire, but thankfully everybody is okay.
Whether you're shopping for a new policy, or you've watched your car insurance rates steadily skyrocket, you'll want to take a few steps to reduce your monthly bill. Simply implementing a few secrets is all it takes to reduce your overall auto insurance policy and bring that price down to a figure you can afford. Perhaps you'll even end up with enough savings to take a small vacation.
Consider the Vehicle
Halloween is arguably the time at which the most strangers visit your home over the course of a few hours. Even though each of these visits is short, there's always the chance that someone could get injured, that you'll be held liable and that the incident could lead to an increase in your home insurance rate. This is especially a concern because many of the visitors will arrive in the dark, and in an effort to make your yard spooky, you might even have your exterior lights off.