Yes, read your insurance policy

[dennis thompson]

I have never read an insurance policy in my life. I recently got an email from my insurance company thanking me for having my homeowners policy with them. In the email was a passing reference to a discount for a generator. I have a generator, told the company and they reduced my policy cost by $94/year. I asked were there any other discounts available and they sent me a list of about 15 other discounts and in that list was a discount if you don't have a mortgage, I don't have a mortgage so I got another discount of $242/year, so my policy went down by $336/year !
READ YOUR INSURANCE POLICY!