Tips & Advice Archive

Luxury Home

A burglar alarm that is monitored by a central station, or that is tied directly to a local police station, will help lower the homeowner’s annual premiums, perhaps by 5% or more.  Smoke alarms are another biggie. While standard in…

Luxury Home

if you have broken or missing handrails.

Luxury Home

does not cover damage caused by flood.

Luxury Home

you may not have adequate coverage on certain valuables such as firearms, jewelry, gold, coins, and collectibles. If you own these items make sure you specifically insure them.