RCS Insurance

🏠 Smart Home = Smart Discount? 🤔

You see them online all the time: smart thermostats, video doorbells, leak detectors, even complete home security systems. They look incredible for what they do, and some of them are. 📱🔔

But do they save you money on your homeowners? 💸

The truth is that not all smart devices save you money on your insurance. The next thing to know is that your agency won’t know you have new tech unless you tell them. 🛡️

If you’re thinking about getting smart devices for your home, let’s talk. We can help you choose something that may give you a deal, as well as tell you what won’t. 🤝

Just don’t ask us to help install them. 😅

🔒 Coverage? Take It (Past) the Limit 🔍

You may have heard us talk about homeowners insurance and how it protects so many of your important, can’t-live-without, life-changing possessions. It truly is a safety net that can catch those things you value most if disaster strikes.

But some of those important items have policy limits, meaning they may slip through the net when you least expect it.

Those items need additional protection, either by listing them on your homeowners coverage directly by “scheduling” them, or by getting a special policy to make sure they're covered. Here are some categories you may want to check for coverage limits:

💍 Jewelry
📱 Electronics
🔫 Fi****ms
🎨 Art
🍴 Silverware

There are more than these that could be limited. The best way to find out is to do a home inventory, then schedule a review with us. We can guide you through what your policy covers and where it needs some help to protect those treasures that make your life, well, your life. 🏠

🛒 What to Ask When Getting a Quote 🛡️

Most people love shopping—unless it's for insurance. 🛍️

The quoting process can seem a little intimidating. Questions, back and forth information, and a result that feels like something you own but don’t really understand how it works. 🤔

That’s why knowing what to ask can help you feel more comfortable about what you get. Try asking these questions for your next quote:

1️⃣ What does this actually cover? What does it NOT cover?
Don’t be surprised by what a policy does and doesn’t do for you. 🔍

2️⃣ What should I choose for my deductible?
Don’t pick a number out of thin air or because it’s cheaper. Find a deductible that fits your situation. 💰

3️⃣ Do I qualify for discounts?
You may be pleasantly surprised by how many discounts exist: bundling, safe driver, claims-free, etc. 🎉

The key to a great quote is honesty and communication. Don’t feel bad if you don’t know insurance. That’s what we’re here for. Put the thing that confuses you the most about insurance in the comments below, and we’ll do our best to answer! 💬

Green is good! Happy Earth Day!

A friendly reminder that today is Tax Day.