Steps to Lower Your Homeowners Insurance

Steps to Lower Your Homeowners Insurance

Steps to Lower Your Homeowners Insurance

Lose the Cost, Not the Coverage

Raise your deductible to reduce your premiums. Ironically, higher deductibles could mean a savings of 25% or more on your insurance premiums.

A few simple, moderate upgrades could mean the difference between saving and overspending. Here are just a few upgrades you can look into to help lower the cost of your homeowner's insurance.

* Upgrades to your electrical, heating, or plumbing systems will not only reduce the risk of fire and water damage, it will help you save on your insurance premiums and energy costs.

* Upgrade your home to ensure it is protected against windstorms and other natural disasters. Rest easy at night knowing your safe and that you're saving money at the same time. Invest in storm shutters, roof reinforcement materials, and other means of protecting your home in case of a natural emergency.

* Turn your home into a fortress. When you install a smoke detector, burglar alarm or even dead bolt lock, you save at least 5% on your insurance premium. Moreover, when you install a sprinkler system, fire alarm, or sophisticated security system you could save anywhere between 10%-15%. To ensure you make the most of your lowered costs, be sure to discuss which systems are included with your insurance coverage. It's best to know which systems your insurer recommends, the price of the system, and how much you save before you invest.

Combine to Cut Costs

Normally, insurance companies will help you cut down on costs when you bundle your services. In fact, most insurance companies will help you save 5%-15% when you combine auto with other insurance policies.

Keep Up Your Credit to Keep Down Your Premiums

Maintain a solid credit score. A solid credit score provides many benefits, including lowered homeowner's insurance costs. Research shows that those with a higher credit score often pay less in insurance costs than others.

Talk to your insurance company about other ways to save on homeowner's insurance. Your friendly representative will be happy to assist you in maintaining a rate that you will be satisfied with.

For more information about Homeowners Insurance please visit http://www.fidelityinsgroup.com .

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