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Most people wait too long to review their insurance policies.  People take rate increases for years before they even investigate other options and insurance companies.  Why do people get so comfortable with just paying the increase.  Increases can be for multiple reasons and we all have heard them right.  Here are a few examples:
 
1) Claims in the area
2) Home is more valuable due to appreciation
3) Replacement cost increases
4) Loss of credits such as new business, early upload, or other policy expenses
 
I advise you to take a look at your policies on a yearly basis.  We do, so I think that you should as well.  If we see increases with companies, then we shop to see if it is possible to move you to another carrier with the same limits etc.   I have the philosophy of if I would not take the increase personally, then why should you.  If you are with a company that does not offer other carriers such as Allstate, Farmers, Farm Bureau, or State Farm then you will not get to see any options other than reducing limits or coverage on your in force policy.  With an independent agent like us here at Get A Policy Insurance Services you have options.  Call us at 888-748-1930 for a Garland homeowners insurance quote so you can explore our options today.
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