Owning your own home will cost you a lot more than just the mortgage. You will have an insurance policy that requires payment also. Home owners insurance is getting higher and higher each year. Even the ones that do not make any claims, their insurance is going up also. This is outrageous, but there are ways to cut the cost by making a few inquires. If you think you are paying too much on your home owners insurance, make a list of all the insurance companies and give them a call. See what they can do for you.
Increasing your deductible will lower your premium. But remember if you ever need to use it, you will have to come up with more to pay out. This can be something you discuss with your partner.
Several companies will give discounts according to your profession. My husband is a firefighter and he gets a little knocked off for this.
Have a security system put in your home and this will knock off 15 – 20% of the total cost, it did mine. Be sure they know you did this and tell them what all your system does. A lot of systems have fire alarms in them. They need to know all of this.
Tell the agent your age and see if you qualify for a senior discount. This could save you up to 10% more.
This is also very important. Do not insure your land when applying for home insurance. Many people do this without knowing, this will make your premium go up.
If you include your vehicle and home together with the same insurance company, this will also give you another discount.
It is important to keep in mind all these tips for lowering your premium. Some agents will not mention very many of them. There are also many more tips to help. Just do some research and you will find many more.
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Increasing your deductible will lower your premium. But remember if you ever need to use it, you will have to come up with more to pay out. This can be something you discuss with your partner.
Several companies will give discounts according to your profession. My husband is a firefighter and he gets a little knocked off for this.
Have a security system put in your home and this will knock off 15 – 20% of the total cost, it did mine. Be sure they know you did this and tell them what all your system does. A lot of systems have fire alarms in them. They need to know all of this.
Tell the agent your age and see if you qualify for a senior discount. This could save you up to 10% more.
This is also very important. Do not insure your land when applying for home insurance. Many people do this without knowing, this will make your premium go up.
If you include your vehicle and home together with the same insurance company, this will also give you another discount.
It is important to keep in mind all these tips for lowering your premium. Some agents will not mention very many of them. There are also many more tips to help. Just do some research and you will find many more.
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