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Aug24

What You Need To Know About Your Home Inspection

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Home Inspections 101

When buying a new house, it is vital to ensure that you are making a good investment by getting a home inspection. Home inspections will be able to let you know if there are any issues with the property, from the smallest issue to much larger problems. Knowing what you are getting into before you sign the closing contract for a house can give you the peace of mind that you need.

All home inspections should be done by a licensed professional. Ask your friends and family for referrals for home inspectors that they have used in the past, or see if your real estate agent has any recommendations. The inspector will take a look at both the inside and outside of the house and look for any potential issues. Depending on what they find, they may also recommend that a specialist look at certain areas of the home that may be problematic, such as the furnace, plumbing, or air conditioner.

If any issues are found with the house, you should consider if you still want to move forward with the home purchase. While small issues, such as a malfunctioning outlet may be easily fixed, larger issues like a leaking roof can cost thousands of dollars to repair. Knowing what any necessary repairs will cost can help to make sure that you are able to afford the house.

Any issues that are found within the house can be considered negotiating points for the price of the house. Just keep in mind that you should be realistic about what you are asking for. Many large issues can help to bring the cost of a house down, while small problems may just bother the seller.

After finding the perfect home, you need to make sure that it is protected with the right homeowners insurance policy. Contact the independent insurance agents at Bisson Insurance Services for all your home insurance needs throughout Yorba Linda, Placentia, and Fullerton, California.

Aug17

Why Did My Home Insurance Premiums Increase?

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Home Insurance Rates

Opening your home insurance statement to find that your premiums have increased can be very bothersome. While there are many reasons for the increase, many homeowners are not aware of them. Some of the most common factors that will drive up your homeowners insurance costs include:

  • Getting older – as your home ages, it will cost more to insure since it becomes much more vulnerable to certain issues. As your roof, plumbing, heating, electrical, and cooling systems all age, they are much more likely to be damaged or have a problem.
  • Your location – although the location of your house probably did not change, some factors about your location may have. If the cost to rebuild homes in your local area has increased, so will your insurance rates, since most of your premium is based on what it would cost to rebuild your house from the ground up. If your area is more prone to storms or other weather conditions, you may also see a rise in your costs.
  • Home additions – adding a pool to your backyard or building a guest suite at your house will increase your home insurance premiums. The more it will cost to rebuild your house due to extra square footage, and the more risks at your property, including a pool, will mean paying more for your protection.
  • Losses – Just as in auto insurance, carriers can surcharge your home insurance due to prior losses.  Whether it is a theft loss or water loss, these can be carried over for three years and charged additional premium for prior loss history.

For all of your home insurance needs throughout Yorba Linda and Placentia, California, contact the independent insurance agents at Bisson Insurance Services. We will work with you to make sure that you have the right amount of coverage for all of your needs.