Home Owner’s Insurance
If you are a first time shopper for home owner’s insurance, here are a few tips for saving money. These are common areas that most all insurance companies will allow discounts for. First, you will need to decide how big of a deductible you are comfortable with. In general the higher deductible on your policy, the lower the cost. After you decide your deductible ask about discounts:
- Discount for using same insurance company for both auto and home insurances
- Discount for having smoke detectors
- Discount for having a burglar alarm
- Discount for have a sprinkler system
- Discount for not living in a flood zone
- Disccount for being 55 or over
- Discount for a radon or natural gas detector
Of course you should shop several insurance companies and find out which ones offer the best deals. And finally, make sure you ask for an explanation for anything that is in fine print. It’s better to not have any surprises. Know what to expect before that incident occurs - the one that causes you to call your insurance agent.
