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Know Your Insurance

Wednesday, May 21, 2025

How to Lower Personal Risk Perception for Insurance

Home Insurance

  • Update your home: Modernize roofing, plumbing, and electrical systems.

  • Install protective measures: Add security systems, smart fire alarms, and leak detectors.

  • Reduce liabilities: Secure features like pools or trampolines.

  • Improve credit: Higher credit scores may reduce premiums in many states.

Auto Insurance

  • Avoid luxury vehicles: Less expensive cars generally lead to lower rates.

  • Drive safely: A clean driving record improves your risk profile.

  • Use telematics: Let insurers monitor safe driving behavior.

  • Avoid small claims: Filing fewer minor claims helps maintain lower perceived risk.

Life Insurance

  • Take a medical exam: Demonstrates good health to insurers.

  • Buy young: Premiums are lower for younger individuals.

  • Avoid smoking: Smoking increases perceived risk significantly.

  • Limit dangerous activities: High-risk jobs or hobbies raise premiums.

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