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10 tips to Save money on Homeowner’s Insurance

Homeowner’s Insurance is a must have. However there are many easy ways to pay less.

  1. Buy your home owners insurance and auto policies from the same company and you will most likely qualify for multi-policy discounts.
  2. Retirees and those who are home most hours of the day may qualify for a discount on theft insurance.
  3. Install deadbolt locks and smoke detectors. It’s a good purchase to make on it’s own. And insurance companies might give you a discount.
  4. Have vinyl siding? Some insurance companies will give you up to 20% discount if you exclude your vinyl siding from hail damage coverage.
  5. Don’t Smoke. Non-smokers pay less than smokers because there is less fire risk.
  6. Ask about additional Discounts. Firefighters, Teachers, Engineers and Law Enforcement sometimes get lower rates.
  7. Raise your deductible. You will have to pay more out of pocket if an incident happens but you will save money every month.
  8. Don’t Buy Coverage you don’t need. Don’t pay for coverage on fur jackets & jewelry if you don’t own any.
  9. Add outdoor lighting to your sidewalks and driveway. Motion Censored light to your backyard.
  10. Ask what you could do to lower your premiums. It never hurts to ask.

A few things that might raise your Homeowner’s insurance.

  • Owning a Trampoline
  • Having Rottweilers, Doberman Pinschers, or Pit Bulls.
  • Owning a Swimming Pool
  • Having a Tree House
  • Having big ticket Jewelry
  • Running a home business
  • Fireplaces or Wood burning Stoves
  • Exotic Pets