Home Insurance Savings Tips

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Real Estate

Home Insurance Savings Tips

Set higher deductibles to lower your premiums.

Most companies offer discounts for smoke detectors, burglar alarms, third-party alarm monitoring systems, dead bolts, fire extinguishers, Neighborhood Watch programs.

Earn “multiple coverage” discounts by using one carrier for all of your insurance. This could save you a considerable amount of money every year.

Premiums will be higher if fire stations and fire hydrants are too far away.

Going without a claim for three to five years may warrant a discount. Most companies reward longevity of service. Some companies offer discounts if you’ve paid off the mortgage.

Discounts often apply if your home was built or rebuilt within the past 10-15 years.

Check out non-smoker, early retirement, and live-in-housekeeper discounts.