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Home Insurance. Thursday , March 01st , 2018 - 14:35:25 PM

Nineteen states and the District of Columbia have hurricane deductibles, according to the institute. Some states — including Alabama, Mississippi and South Carolina — offer a tax deduction for money deposited in special catastrophe savings accounts, to help homeowners set aside funds for their hurricane deductibles. Some policies offer discounts if homeowners use reinforced shutters to protect windows, or use special clips or straps to help secure roofs during storms.

But even with eye-opening photos of these disasters populating our phones, computer screens and newspapers, there still seems to be a sense of complacency among consumers when it comes to taking action to ensure they are properly covered in the event a natural disaster hits their own home. Given the prevalence of natural disasters in 2017, Clearsurance published a report after surveying 1,000 participants to learn if they have taken any steps in the last six months to uncover possible insurance gaps.

The rapid adoption of Wi-Fi enabled devices has allowed for an increase in what are called “non-monitored” systems. These are security systems that are set up in a home, but are not connected to an alarm company. While these types of systems do offer an additional level of home protection, they might not qualify for a discount on homeowners or renters insurance premiums. Check with your agent or carrier to find out more about what types of home security system installations might qualify for a discount.

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