Smart, Affordable Protection for Homeowners

There are several strategies to reduce your premium without sacrificing essential coverage: 

• Bundle your home and auto insurance with the same carrier. 
• Choose a higher deductible that you can comfortably afford. 
• Install protective devices such as security systems, water leak sensors, and fire alarms.
• Maintain a strong credit score, as many insurers factor this into pricing.
• Avoid filing small claims that could increase your future rates.
  Trailstone compares multiple carriers to help you find the right balance between cost and protection. 
  
  

Your deductible is the amount you are responsible for paying out of pocket before your insurance company begins covering a claim. For example, if your deductible is $1,000 and you have $5,000 in covered damage, you would pay the first $1,000 and your insurance would pay the remaining $4,000. 

Deductibles can be a flat dollar amount or a percentage of your home’s insured value. Choosing a higher deductible typically lowers your premium, but it also increases the amount you will pay if you file a claim. Trailstone helps you select a deductible that balances affordability with financial protection. 

• Flood- Requires a separate flood policy; endorsements offer limited coverage and are often insufficient for major events.
• Earthquake- Requires a separate earthquake policy or endorsement; coverage limits and deductibles can vary widely.
• Maintenance & Wear and Tear – Normal aging, upkeep issues, or neglect.
• Pest Damage – Termites, rodents, and other infestations.
• Intentional Damage – Damage caused deliberately by the homeowner or household members.