Let us compare rates — Contact our office to compare your rate with other insurance companies. But don’t consider premium alone; consider the service and policy contract of other carriers. Sometimes lowering the premium can decrease coverage as well.
Increase your deductible — Increasing your deductible from $250 to $500 can save from up to 10%; increasing to $1,000 can save up to 20%. Some carriers offer deductibles options up to $25,000. Just make sure you can afford to pay the deductible in the event of a loss.
Place your homeowners and auto coverage with the same company — Many carriers offer discounts ranging from 10-20% off your homeowners premiums if they also carry your auto coverage.
Increase security — Installing a burglar or fire alarm or sprinkler system not only helps to protect your valuables, but it can also help you save an additional 5-15% depending on the type of system installed.
Stay with one company — Some carriers offer discounts of 5-10% if they’ve had your insurance for 3 or more years.
Review your policy annually — Your policy should reflect the value of your home and it’s contents. Who knows best what’s happening in your home than you do? If you have moved or sold a home, or maybe you sold a valuable painting that you had scheduled, please notify your agent promptly. Also, if you have made any major purchases or additions to your home, your coverage may need to be adjusted accordingly.
*All of these discounts vary by carrier. Supplemental documentation may be required. Please contact our office to see if you qualify.
