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Stop wasting money on insurance.

November 6, 2015 in auto insurance, Bradford Car Insurance, car insurance in bradford, car insurance in bradford pa, home insurance, homeowners insurance, homeowners insurance companies, homeowners insurance policy, homeowners insurance quotes, homeowners policy, Homeowners quotes in Bradford, Homeowners quotes in bradford pa, homeowner’s insurance increases

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Are you throwing your money away? If you are going with “the other guy” for your insurance, you probably are. At the Williams Agency – we pride ourselves in saving our customers money, without skimping on coverage.

Take a look at what we saved these homeowners.

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What are the factors that increase my homeowners insurance rates?

March 20, 2013 in bradford, Bradford PA, bradford pennsylvania, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowner’s insurance increases

Home insurance is just as important as any other insurance out there. It protects the place you and your family live in. As days go by, you find that your homeowner’s insurance increases and you might feel like you can’t pay the premiums anymore. Below are some of the common factors that affect the rate of your house insurance.

One thing you should consider is the location of the house. There are insurance companies that will either refuse or give high premiums depending on the location of the house. If the house is near the sea and is prone to tornadoes, then your premiums will be high. So you should ensure that when you buy a house, it should be a few miles from anything that can cause a natural disaster.

Another thing that you need to consider is the plumbing of the house. This is very important to the insurance provider. Most insurance providers will only reduce the cost of the premiums if you have upgraded the plumbing in the last 20 years. If not, it will be very expensive for you. It is also common to get discounts if the roof is new.

The electric system is also very important. This is because very many fires in the state of Pennsylvania are caused by electricity. It is important that the electric system have current codes. It should not be old fashioned as this will be difficult to maintain and may also cause problems in the future. If you have the current system then you will get discounts.

The distance between your house and the fire department is also a very important issue. This is because if the house were to catch fire, the fire department will be there much faster than if the house is far away. So the people with houses near the fire department offices have lesser rates than those living far away.

These are just some of the points that can make your home insurance rise. It is important that you know these factors so that you can control the premium rates that you pay to your insurance provider. Not only does it save you a lot of money, but you will also get assured that your house that is safe. Before picking a cover ensure that it suits you. Even if it might be expensive at the moment, if it covers you well, then use it. You can always find other ways of reducing the rates. Like for example paying your premiums on time will make you a valuable client thereby reducing your rates.


Do Some Simple Research To Discover Cheap Bradford Pennsylvania Homeowners Insurance Policies

December 18, 2011 in bradford, Bradford PA, bradford pennsylvania, Cheap bradford homeowners insurance, home insurance, homeowner's insurance bradford, homeowner's insurance bradford pa, homeowners insurance, Pennsylvania Homeowners insurance

Our home is our haven at the end of the work day. Here we keep all our valuables and look forward to relaxation and privacy. Our home shelters me and my family, keeping us safe and protected. Our home is our most expensive and valuable investment. Cheap Pennsylvania homeowners insurance provides affordable protection for the home we love.


When we bought our home, our mortgage company required us to carry homeowner insurance so they are protected from loss if something happens to the house before we finish paying for it. We also wanted insurance coverage to protect ourselves so we can rebuild or repair it if something happens. We wanted as much coverage as we could afford, but we sure did not want to pay any more than we had to for good coverage. We also wanted to find a reputable insurance company with good customer service when claims have to be filed.


First, we got recommendations on different insurance companies from friends and family members who use them. We also checked online for names of the leading companies selling insurance in our state. Next, we decided what types of coverage we wanted to request and gathered the information we needed to provide the companies in order to receive a realistic policy cost quote. We gave the agents the value, age, and square footage of the house. We told them about our safety devices of an alarm system and smoke detectors. We also figured up what our furniture and other home contents were worth. Then we gathered a dozen Pennsylvania home insurance quotes and studied them. We compared the quality of the different coverage policies and the company’s reliability as well as the total cost.


We discovered that if we bundled our homeowners insurance with our auto insurance, we received a bigger discount. Our family is very safety conscious but we learned that by doing a few things more, like adding carbon monoxide detectors upstairs and downstairs and putting a fire extinguisher on each level, we also got a break on our rates. We learned about liability concerns about our family’s trampoline and added a safety net so we could insure it. We bought a fire and waterproof safe to keep jewelry, guns,  and important papers inside. One agent suggested we develop a family emergency escape plan and practice it and we did. We accepted the highest deductible we could afford to help keep our overall rates down. Our house is now covered for fire, smoke, tornados, fallen trees, wind damage, broken windows, burglary, vandalism, hail and other weather related-damages, and water damage from plumbing leaks. We covered the contents of our house for their replacement value, not their actual value. This way we can get the latest electronics to replace ours if they are stolen or destroyed and we can replace all our furniture and clothes if we ever have the need.


In the next few years, we want to install an in-ground swimming pool. Thanks to our insurance company, we already know what we have to do to make it safe and affordable to insure when the time comes. We will also review our house and contents coverage annually now to make sure we keep enough insurance coverage for all our needs. We found the Williams Agency had detailed information, which helped us a lot. Check them out online at Williams-agency.net if you need rate quotes and help to find the right insurance for your home.