Five Things That Could Impact Your Policy
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1. Claims History

Filing too many claims, even small ones, can raise your premiums. Fewer claims often mean better rates.
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2. Credit Score

In most states, insurers use credit to set rates. Higher credit = lower costs. Paying bills on time helps.
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3. Location & Weather

Living in areas with tornadoes, hail, wildfires, or higher theft/accident rates affects your premiums.
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4. Property or Vehicle Details

Homes: Roof type, age, and security systems matter. Upgrades like a FORTIFIED™ roof can save you money.
Cars: Make, model, safety features, and repair costs all play a role.
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5. Coverage Choices

Your limits, add-ons, and deductible amount directly impact price. Bundling home + auto can mean big savings.

Review your policy each year to make sure you are getting the best coverage at the right price.