How to Get the Best Phoenix Homeowners Insurance Rate

seem to settling down. In fact, some companies are lowering premiums by as much as 24 percent. Follow these tips to keep your Phoenix homeowners insurance rate as low as possible.

Plan Ahead

If you’re purchasing a home, planning ahead can help you save on homeowners insurance later. For example, your insurance rate is affected by the location of the home you buy, especially if it is in an area with high property crime rates. Mold claims also affect the rate, so you want to make sure previous homeowners have not had problems with mold.

Raise Your Deductible

Set your deductible as high as you can – the higher your deductible, the lower your premium. In addition, a higher deductible will keep you from making too many claims, which can increase your premium rate.

Ask about Discounts

Insurance companies usually offer discounts that lower your insurance premium. Common homeowners insurance discounts include:

* Senior citizen discounts

* Multiple policy discounts

* Non-smokers discounts

* Discounts for safety features such as deadbolts, smoke detectors, fire extinguishers, and sprinkler systems

* Discounts for alarm systems

Ask your insurance professional if you qualify for these discounts and if there are any other discounts you qualify for.