4 Ways to Lower Home Insurance Costs

When it comes to home insurance, having the proper coverage that fits your life is the most important factor, but having a competitive rate is a close second.  Instead of compromising your coverage to lower costs, follow these 4 tips to help decrease your home insurance costs:

  1. Combine with auto insurance:  Insurance carriers give large discounts when auto and home insurance are bundled together, typically, this is a savings around 20%.  This is the best way to help cut costs.
  2. Raise your deductible: Many homeowners carry a $500 home insurance deductible.  We recommend raising it to $1,000 for an approximate 10% savings, or even $2,000 for a savings of 15%.  It is important to remember that home insurance is designed for catastrophic losses and not small claims.  A higher deductible will help homeowners save a significant amount of money in the long run.
  3. Home security system: Installing a home security system offers peace of mind and can also help lower insurance costs.  Many companies offer a 5-10% discount on a home insurance policy if a security system is present.
  4. Use an independent insurance agent:  Most agent only represent one company, but independent agents partner with multiple.  This allows the independent agent to do the shopping and work on your behalf instead of the company’s.

Contact the big-hearted agents that back bubbler. to lower your home insurance costs today.