Do you know what one of the worst ways to experience the effectiveness of your home insurance company’s claims process is? With the personal injury claim against you because someone slipped and fell on your walkway after a winter storm.

One of the best ways to keep your home insurance premiums low is to never have a claim against the insurance that was preventable. Sure, accidents and mother nature happen but that doesn’t mean that you can’t help reduce the number of claims you experience by reducing the risk you are exposed to. Follow some of the tips below to help you reduce your likelihood of claims and increased premiums.

Your home is not just a residence-it’s an investment that can make you a profit in several different ways. By selling your home at a higher price than you paid for it or by repurposing your home into a money-making building, you could turn your home into cash. But if you make these changes without getting a proper home insurance quote, you could be in for trouble.

When it comes to home insurance, the weather is responsible for many expensive and unpreventable insurance claims. Looking back on Hurricane Katrina in 2005, many have wondered how home insurance policies can continue to guarantee reimbursement after all the severe weather perils consumers have faced. Katrina was one of the most devastating hurricanes of all time and it forced Americans to take a more detailed look at who should pay for losses when the weather causes insurable incidents.

When you are searching for auto insurance rates, finding cheap auto insurance often becomes your sole focus. But you need to do some research on the insurance companies you consider doing business with before committing to the first cheap auto insurance rate you find because if the company insuring your car is not financially sound, they may not be there to pay your claims when you need them. And even if you buy cheap auto insurance from a financially sound company, that doesn’t mean the insurance policy is right for you.