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The premium on your Albertville, Minnesota home insurance policy is calculated by assessing the different level of risk associated with insuring your home. Anything you can do that significantly reduces the chance of loss, and thus the need of your insurer to possibly have to pay a claim, can help lower your premium.
For instance, installing an alarm system can make you less susceptible to loss by burglary. Smoke detectors protect against fire and installing storm-resistant shutters can minimize the chance of broken windows and other damage from flying projectiles in a strong windstorm.
While Albertville, Minnesota is not in the path of tropical hurricanes, it is very possible that a big thunderstorm can generate winds with speeds great enough to blow over trees and send branches hurtling through the air. Tornadoes, while fairly rare, are a possibility in the Gopher State.
Storm-resistant shutters that can cover your exposed glass windows, do an excellent job of protecting those windows in severe weather conditions. Such shutters also provide a level of security, making it a little harder for a criminal to gain access to your home.
Insurance companies in Minnesota will reward you for taking proactive measures to help protect your house, and the people inside, from damage or injury as the result of a severe storm. While your premium is not going to change by much just by installing storm-resistant shutters, every little bit helps.
Even if your storm-resistant shutters do not do a perfect job of protecting your home, they will at least mitigate the amount of damage that can be caused by loose- flying debris.
As your independent agent here in Albertville, we would encourage you to have a visual audit done of your house to see if there are ways to make it safer. Give us a call and an independent agent will be happy to review your policy and see if they can find ways you can get some discounts of your home insurance premium.