About ServiceMaster of Greater Bridgeport in Stratford, CT
About Us

Making The Most Of Your Insurance Coverage

Determine how much coverage you need

Step 1. Determine how much coverage you need. Don't go by your home's appraised value, which includes the land. Ask your local homebuilders association for recent per-square-foot replacement costs. If your area is prone to natural disasters, price out extended or guaranteed replacement policies to protect you from inflated labor and material costs after such events. With your home replacement taken care of, look at coverage for possessions, living expenses, and liability.


Find out what's NOT covered

Step 2. Find out what's NOT covered. Standard policies don't cover damage from flooding, mudslides, and earthquakes. If you're in a flood zone, you may have to buy supplemental flood insurance. Most standard policies exclude mold, broken water mains, and sewer backups, but you can buy extra coverage for them. 


Examine the deductible

Step 3. Examine your deductible. Some insurers are changing their deductibles from dollar amounts to percentages, which may turn out to be higher deductibles. If that's the case, check that your premium has been lowered. To reduce your premiums, you want to take the highest deductible you can comfortably afford.


Focus on the premium

Step 4. Focus on the premium. When you get your renewal, compare the new premium to last year's. If it's up more than 5%, ask for an explanation. Did your risk profile change, or the market? Try to lower your premium by bundling in auto insurance, installing a security system, storm shutters, or a new roof. But first check with your insurer.


Keep records

Step 5. Keep records. Do a home inventory of everything you own. Add receipts, photos, or videos and store with all paperwork, including your insurance policy, in a fireproof box. As a backup, scan and store that info on a flash drive and keep it off-site.

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Serving Greater Fairfield County, Connecticut
Our Connecticut Service Area
Cities in Fairfield County, CT
Bethel
Botsford
Bridgeport
Brookfield
Danbury
Darien
Easton
Fairfield
Georgetown
Hawleyville
Monroe
New Canaan
New Fairfield
Newtown
Norwalk
Redding
Redding CT
Sandy Hook
Shelton
Sherman
Southport
Stevenson
Stratford
Trumbull
Weston
Westport
Wilton

Cities in New Haven County, CT
Milford

Our Locations:

ServiceMaster of Greater Bridgeport
110 Seymour St.
Stratford, CT 06615
1-203-916-6287
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CALL: 1-844-204-8240
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