Best in Rates, fastest online mortgage closings in Arizona and Colorado since 1999! Best in Life, Health, Disability, Long Term Care Insurance and Fixed Annuities. Lic in AZ, CO, and UT. Retirement Specialist . Home and Auto Insurance Agent representing 25 companies! >

Long Term Care, understanding how it works.

 

   

Best in Rates, fastest online mortgage closings in Arizona and Colorado since 1999! Best in Life, Health, Disability, Long Term Care Insurance and Fixed Annuities. Lic in AZ, CO, and UT. Retirement Specialist . Home and Auto Insurance Agent representing 25 companies! >

Long Term Care, understanding how it works.

Ted Gehrke
Mortgage Director Arizona-Colorado
NMLS# 240314
ted@turboloans.com
Desert Equity Lending, LLC
NMLS# 173369 MB-0906989
11995 N 139th Place Scottsdale Az 85259 Phone: 602-881-1414
Independent Contractor MLO for Desert Equity Lending LLC since 2005 Independent Life and Health Agent , Medicare and Annuity Long Term Care Specialist www.turbolifeplanning.com
Apply Now
Ted Gehrke
Mortgage Director Arizona-Colorado
NMLS# 240314
ted@turboloans.com
Desert Equity Lending, LLC
NMLS# 173369 MB-0906989
11995 N 139th Place Scottsdale Az 85259 Phone: 602-881-1414
Independent Contractor MLO for Desert Equity Lending LLC since 2005 Independent Life and Health Agent , Medicare and Annuity Long Term Care Specialist www.turbolifeplanning.com
Apply Now

AZ: 602-881-1414
CO: 720-775-9866
APPLY NOW

AZ: 602-881-1414
CO: 720-775-9866
APPLY NOW

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Best Fixed Rate Annuities you will find! With American National, since 1905. A Rated by all three Rating Agencies.
Medicare, United Health, Humana, and Aetna/CVS
Appointed Agent

It pays to shop your Home, Auto, RV. ATV, Boat or Motorcycle Insurance AND make sure you have enough coverage!!

TurboHome Auto
Safeco Logo
Travelers Logo

Highest FIXED GUARANTEED ANNUITIES anywhere!

 

apply now

Best Fixed Rate Annuities you will find! With American National, since 1905. A Rated by all three Rating Agencies.
Medicare, United Health, Humana, and Aetna/CVS
Appointed Agent

It pays to shop your Home, Auto, RV. ATV, Boat or Motorcycle Insurance AND make sure you have enough coverage!!

TurboHome Auto
Safeco Logo
Travelers Logo

Highest FIXED GUARANTEED ANNUITIES anywhere!

 

Desert Equity Lending, LLC NMLS# 173369 | MB-0906989

Desert Equity Lending, LLC NMLS# 173369 | MB-0906989

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12 Ways to Save Money on Homeowners Insurance

  1. Shop Around
    Friends, family, the phone book and the Internet are some of the sources you can use to find homeowners insurers. Get a wide range of prices from several companies. But don't consider price alone. The insurer you select should offer both a fair price and excellent service. Quality service may cost a bit more, but you buy insurance in case you need to make a claim, so it's important to get a company with a good reputation. Talk to a number of insurers to get a feeling for the type of service they give. Ask them what they would do to lower your costs. Check the financial ratings of the companies with AM Best or Standard and Poor's.
  2. Raise Your Deductible
    Deductibles are the amount of money you have to pay toward a loss before your insurance company starts to pay. Deductibles on homeowners policies typically start at $250. Increase your deductible to:
    $ 500 -- save up to 12 percent
    $1,000 -- save up to 24 percent
    $2,500 -- save up to 30 percent
    $5,000 -- save up to 37 percent
  3. Buy Your Home and Auto Policies from the Same Insurer
    Some companies that sell homeowners, auto and liability coverage will take 5 to 15 percent off your premium if you buy two or more policies from them.
  4. When You Buy a Home Consider How Much Insuring It Will Cost
    A new home's electrical, heating and plumbing systems and overall structure are likely to be in better shape than those of an older house. Insurers may offer you a discount of 8 to 15 percent if your house is new. Check the home's construction: In the East brick is better, because of its resistance to wind damage, and in the West frame is better, because of its resistance to earthquake damage. Choosing wisely could cut your premium by 5 to 15 percent. Avoiding areas that are prone to floods can save you about $400 a year for flood insurance. Homeowners insurance does not cover flood-related damage. The closer your house is to firefighters and their equipment, the lower your premium will be.
  5. Insure Your House, Not the Land
    The land under your house isn't at risk from theft, windstorm, fire and the other perils covered in your homeowners policy. So don't include its value in deciding how much homeowners insurance to buy. If you do, you'll pay a higher premium than you should.
  6. Improve Your Home Security and Safety
    You can usually get discounts of at least 5 percent for a smoke detector, burglar alarm, or dead-bolt locks. Some companies offer to cut your premium by as much as 15 or 20 percent if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police station or other monitoring facility. These systems aren't cheap and not every system qualifies for the discount. Before you buy such a system, find out what kind your insurer recommends and how much the device would cost and how much you'd save on premiums.
  7. Stop Smoking
    Smoking accounts for more than 23,000 residential fires a year. That's why some insurers offer to reduce premiums if all the residents in a house don't smoke.
  8. Seek Out Discounts for Seniors
    Retired people stay at home more and spot fires sooner than working people and have more time for maintaining their homes. If you're at least 55 years old and retired, you may qualify for a discount of up to 10 percent at some companies.
  9. See If You Can Get Group Coverage
    Alumni and business associations often work out an insurance package with an insurance company, which includes a discount for association members. Ask your association's director if an insurer is offering a discount on homeowners insurance to you and your fellow graduates or colleagues.
  10. Stay With an Insurer
    If you've kept your coverage with a company for several years, you may receive special consideration. Several insurers will reduce their premiums by 5 percent if you stay with them for 3 to 5 years; by 10 percent if you remain a policyholder for 6 years or more.
  11. Compare the Limits in Your Policy to the Value of Your Possessions at Least Once a Year
    You want your policy to cover any major purchases or additions to your home. But you don't want to spend money for coverage you don't need.
  12. Look For Private Insurance First
    If you live in a high risk area, one that is especially vulnerable to coastal storms, fires, or crime, and have been buying your homeowners insurance through a government plan, you should check with an insurance agent or company representative. You may find that there are steps you can take that would allow you to buy insurance at a lower price in the private market.

CALL TODAY for your no obligation quote: 602-881-1414

Mortgage Lending State: Arizona and Colorado

Contact us:

Ted Gehrke
Fax: 480-219-0849
Direct: 602-881-1414
Email: ted@turboloans.com

The data relating to mortgage loans and/or real estate for sale on this web site comes in part from the Mortgage 101 program. All data on this web site is deemed reliable but is not guaranteed.

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is displayed with the understanding that the publisher and authors are not engaged in rendering real estate, legal, accounting, tax, or other expert assistance is required, the services of a competent, professional person should be sought. The information contained in this publication is subject to change without notice.

DESERT EQUITY LENDING, LLC MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MATERIAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DESERT EQUITY LENDING, LLC SHALL NOT BE LIABLE FOR ERRORS CONTAINED HEREIN OR FOR ANY DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MATERIAL.

security Provided by OpenClose Proud Partner of OpenClose for 11 yrs
Service Provider

 

 

CALL TODAY for your no obligation quote: 602-881-1414

Mortgage Lending State: Arizona and Colorado

Contact us:

Ted Gehrke
Fax: 480-219-0849
Direct: 602-881-1414
Email: ted@turboloans.com

The data relating to mortgage loans and/or real estate for sale on this web site comes in part from the Mortgage 101 program. All data on this web site is deemed reliable but is not guaranteed.

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is displayed with the understanding that the publisher and authors are not engaged in rendering real estate, legal, accounting, tax, or other expert assistance is required, the services of a competent, professional person should be sought. The information contained in this publication is subject to change without notice.

DESERT EQUITY LENDING, LLC MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MATERIAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DESERT EQUITY LENDING, LLC SHALL NOT BE LIABLE FOR ERRORS CONTAINED HEREIN OR FOR ANY DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MATERIAL.

security Provided by OpenClose Proud Partner of OpenClose for 11 yrs
Service Provider