One of the most important investments we have is our home. And we go to great lengths just to protect it with homeowners insurance. Did you know that there are ways to reduce your premiums without reducing your coverage? Lower your premiums by following these four useful tips:
Not only is it convenient to shop for policies from one insurer, but you can also save money when you insure your home and other investments. Bundle your homeowners insurance with auto insurance or flood insurance to qualify for discounts.
Stop smoking or avoid smoking indoors.
Smoking indoors is one of the leading causes of home fire deaths. It also results to thousands of dollars in fire and smoke damage claims every year. That is the reason why non-smokers usually get lower homeowners insurance premiums than smokers.
Create a safer home environment.
Homeowners who take extra precautionary measures to protect their homes are often given discounts and lower premiums. Here are some things you can do to make your home a safer place:
- Have a smoke detector in place.
- Install fire alarms that automatically alert the fire department in your area.
- Install a security system that alerts the police when there are suspicious activities.
- Install dead bolts and durable locks to your doors and windows.
Increase your policy’s deductibles.
Having a higher deductible means you’ll get a lower insurance premium. Bear in mind that it also means you have to pay more out-of-the-pocket expenses when you file a claim for covered loss or damages.
The terms for qualifying for insurance discounts may change. That’s why need to make sure that you talk to one of our agents here at We Insure Agency. Feel free to call us at (954) 431-4923. Or you can visit us at our office and get a free quote today!