Home Insurance Savings Tips
Set higher deductibles to lower your premiums.
Most companies will offer discounts for having smoke detectors, burglar alarms, third-party alarm monitoring systems, dead bolts, fire extinguishers, and Neighborhood Watch programs.
Earn “multiple coverage” discounts by using the same carrier for all of your insurance needs.
Premiums will be higher if fire stations and fire hydrants are too far away.
Going without a claim for three to five years may help you receive a discount. Most companies reward longevity of service. Some companies may even a offer discount if you’ve paid off your mortgage.
You may even be able to get a discount if your home was built or rebuilt within the past 10-15 years.
Also, be sure to check out non-smoker, early retirement, and live-in-housekeeper discounts.