Save Money on Your Oklahoma Homeowners Insurance Policy

you spoke to and tell them what you’ve been offered. See if they’ll lower their quote. Repeat this process ad nauseum until you’ve got a quote you can live with.

3) When you’re shopping around, don’t just ask about the basics. Yes, the size and location of your home matter, but the real secret to saving money on your Oklahoma homeowners insurance policy is to dig up the discounts. You’d be amazed at what can knock 10% or more off your homeowners insurance-for example, did you know that buying an electronic home security system can save you up to 15%? And retirees and people who work from home pay exponentially less in insurance premiums. Small, “insignificant” factors like these can make all the difference when it comes to shaving down your monthly expenses.

4) Raise your deductibles. Once you’ve used your discounts to whittle down your price as far as it will go it’s time to hit them with both hammers-your deductible. When you file a claim with your Oklahoma homeowners insurance provider you’re going to be asked to pay a deductible, a certain amount out of pocket to help compensate them for the money they’re going to be paying for your repairs. Higher deductibles=lower premiums. By raising your deductible (without knocking it out of the realm of “affordable”) you can cut your premiums dramatically.

There aren’t many things in life that you can say are truly necessary, but homeowners insurance definitely makes the top ten. That