478-788-9188 |  855-218-6308 ☰ ˟
Logo
Local – 478-788-9188 Toll Free – 855-218-6308
  • Home
  • Get A Quote
    • Auto Insurance Quote
    • Commercial Auto Insurance Quote
    • Homeowners Insurance Quote
    • Manufactured Home Quote
    • Motorcycle Insurance Quote
    • Truckers Quote
  • Customer Service
    • Request ID Card for Auto Policy
    • Request Declaration and Coverages Page for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Request ID Card for Commercial Auto Policy
    • Request Declaration and Coverages Page for Commercial Auto Policy
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
    • Request ID Card for Motorcycle Policy
    • Request Declaration and Coverages Page for Motorcycle Policy
  • Coverages
    • Auto & Home
    • Business & Commercial
    • Automobile
    • Homeowners
    • Renters
    • Truckers
    • LocationsImage of right arrow
      • Georgia Auto Insurance
      • Texas Auto Insurance - Budget Insurance Agency
      • Tennessee Auto Insurance - Budget Insurance Agency
      • South Carolina Car Insurance - Budget Insurance Agency
      • California Car Insurance - Budget Insurance Agency
      • Affordable Virginia Car Insurance - Budget Insurance Agency
      • Cheap Florida Car Insurance
  • Blog
  • Payments
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Free Reports
    • Insurance Glossary
  • About
    • About Us
    • Testimonials
    • Location Map
    • Employee Directory
    • Partners Page
    • Privacy Policy
  • Areas Served
    • States Summary
    • Alabama
    • Arizona
    • California
    • Florida
    • Georgia
    • Indiana
    • Nebraska
    • North Carolina
    • Mississippi
    • Missouri
    • Tennessee
    • Texas
    • South Carolina
    • Virginia
    • Macon
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > 5 Easy Ways To Lower Your Home Insurance Premiums
MONDAY, APRIL 6, 2020

5 Easy Ways To Lower Your Home Insurance Premiums

Homeowners InsuranceWhen you look up tips on saving money on home insurance, you're often confronted with big decision ideas. Buy a home that's cheaper to insure. Move to a safer neighborhood. Build a 12-foot-tall brick fence around your yard.
These are great ideas if you're rich and have the freedom to switch houses at a moment's notice. But they’re not so great if you're just looking for a quick and simple way to get your premiums down.
With that in mind, here are five easy ways to lower your home insurance premiums:

  1. Ask your agent about discounts. You may find that you already qualify for several discounts, or that you could qualify with a few simple fixes around the home — such as burglar alarms and smoke detectors.
  2. Raise your deductible. Your insurer probably recommends a deductible of around $500. Many homeowners suggest raising that up to $1,000, if you think you'll be able to afford a $1,000 deductible at a moment's notice. This could result in as much as a 25 percent discount on your premiums.
  3. Bundle your insurance. Simply buying your auto and home insurance from the same company can make a big difference. Part of what you're being charged for when you pay your insurance premiums is going to be things like processing fees. Most insurers will give you discounts simply because they're happy to have the business.
  4. Review the value of your inventory. You already know to update your inventory once a year. But you should also take the time to review the value of your inventory. Take depreciation into account. There's no point in paying to insure something at the price you initially paid for it if it's no longer worth that price.
  5. Look into brand loyalty measures. If your insurer isn't giving you a great deal, then find another insurer. But most insurers offer loyalty discounts at certain intervals. You may wind up with 5 percent off your premiums after three years, and 10 percent off after six years. You still want to do a little comparison shopping every now and then, but there are discounts that kick in over time.
    Saving money on your insurance doesn't have to be difficult or time-consuming. Sometimes it's as simple as making a phone call.
 
Posted 4:33 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • insurance(119)
  • georgia(82)
  • car insurance(65)
  • auto insurance(41)
  • atlanta(34)
  • macon(26)
  • trucking insurance(25)
  • florida(22)
  • home insurance(22)
  • south carolina(15)
  • texas(15)
  • tennessee(14)
  • motorcycle insurance(13)
  • ga(12)
  • homeowners(12)
  • commercial insurance(11)
  • safety tips(10)
  • houston(9)
  • miami(9)
  • augusta(8)
  • savannah(7)
  • budget insurance(7)
  • vacation(7)
  • truck insurance(6)
  • commercial auto insurance(6)
  • safety(6)
  • business owners(6)
  • contest(5)
  • cheap car insurance(5)
  • business insurance(5)
  • auto(5)
  • alabama(5)
  • low rates(4)
  • tampa(4)
  • facebook contest(4)
  • chattanooga(4)
  • comprehensive(4)
  • jacksonville(4)
  • homeowners insurance(4)
  • oneal and associates(4)
  • cheaper car insurance(4)
  • dump truck(4)
  • cargo insurance(3)
  • photo contest(3)
  • general liability insurance(3)
  • business(3)
  • uninsured(3)
  • underinsured(3)
  • charleston(3)
  • halloween contest(2)

View Mobile Version
logo, company name
Carrier
Carrier
graphical user interface
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Blog| About Us| Contact
Mailing Address: 4885 Riverside Dr. suite 100 Macon, Ga. 31210
Local Phone: 478-788-9188 | Toll Free: 855-218-6308
Social Social Social Social
Logo

Powered by Insurance Website Builder