25 Ways To Save On Home Insurance

sure your home is secured by deadbolts, smoke detectors, fire extinguishers, and burglar alarm as these can help you get additional credits for a lower rate.

14)   Consider a packaged policy.  You should get a better rate by combining your home and auto in the same policy.

15)   If applicable, always ask for a senior citizen discount. 

16)   Review your policy annually.  Make sure that your property is insured for the correct amount to avoid that your property is underinsured, as over time the value of the property and its replacement costs will more than likely increase.

17)   Remember, in most cases if you don’t ask you won’t get!   So always ask first about all of the discounts that are available.  If they don’t volunteer any, ask about specific items (i.e. central alarm system).

18)   Upgrades.  You will receive a better rate if the plumbing, roof, heating and electrical have been upgraded within the last 10.

19)   Avoid frivolous claims.  If you have had prior claims over the past 5 years, this will result in higher rates.  So try to avoid making claims on small losses; hence the rationale for a higher deductible.

20)   Sprinkler system.  Although this may not be a practical expense for many, an indoor sprinkler system should provide for a hefty discount.

21)   If you own more than one property, inquire whether you will get a package discount by insuring more than one property with