Is It Possible To Get Discounts On Homeowners Insurance?

Homeowner insurance can be expensive. You may want to find ways to save money on your homeowner insurance. There are several ways to lower your home insurance premium. 

These include bundling your auto and home policies, taking advantage of discounts for installing smoke detectors, security systems, or fire extinguishers, paying your premiums annually instead of monthly, and more.

​​Here are some ways so you can get a discount.

1. Make your house more disaster-proof.
   Find out what precautions you can take to make your house more resistant to windstorms and other natural catastrophes from your insurance agent or business representative. 
   
   By installing storm shutters, bracing your roof, or purchasing stronger roofing materials, you may be able to reduce your insurance costs. Older houses can be modified to make them more earthquake resistant. 
   
   In addition, to lessen the danger of fire and water damage, consider updating your heating, plumbing, and electrical systems.
   
   
2. Increase the home insurance deductible.
   Increasing the deductible on your home insurance can help protect your property and personal assets in an emergency. It's a smart move that gives you more protection and is typically less expensive than adding more coverage. 
   
   You'll want to be sure that you're covered for anything larger than the increased deductible before making the switch, but it might be time for you to consider increasing your deductible.
   
   
3. Maintaining a good credit score.
   Because home insurance companies will look at your credit-based insurance score as part of setting rates, it is important to maintain good credit. It will allow you to get the best rates possible on your home insurance policy. The key is to balance all three types of credit: non-credit, credit card, and mortgage.
   
   
4. Claim umbrella package discount
   Claim your umbrella package home insurance discount by calling one of our agents today. It's not too hard to protect yourself and your loved ones when you're paying less every month!
   
   
5. Insurance payment discount
   You can benefit from discounts if you pay your insurance premiums on time, submit the required documents, and have no claims history. Most major insurers offer discounts for paying by direct debit, wire transfer, or online payments. You can also find smaller but significant savings if you go paperless with your account - that means faxing, emailing, or mailing in all of your paperwork.

At Brad Spurgeon Insurance Agency Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.