5 Ways to Save More on Home Insurance
The cost you pay for homeowners coverage can fluctuate by $100s per year, depending on the plan you get and the company you choose. Let’s check out five ways to save money on home insurance online. With a bit of research and time online, you can find an online policy that covers you at a great low rate. Get quoted with praetorian home insurance today and get protected from $29 a month.
- Increase Your Deductible
The deductible amount is the money you agree to pay first when filing a claim before your insurer kicks in and pays the claim balance, which is set in terms of your homeowner policy. Increasing your deductible can save you a lot of money on premiums. A $2,000 or more deductible can save you 20% or more. Insurers give significant discounts because customers with high-limit deductibles file far fewer claims. Keep in mind that in some areas, like Florida and parts of Louisiana, you might be required to have separate deductibles for specific types of damage, like windstorm damage from a hurricane. Whatever amount you choose, make sure that you set this money aside, so the money is available if you need to file a claim,
- Bundle your Automobile and Homeowners Policies
Most major carriers sell auto and home insurance and want as much of your business as possible. You can usually get up to a 15% discount by bundling your homeowner and vehicle coverage. This will also cut down on the hassle of paying two separate bills. Companies like Praetorian homeowners insurance will search all the major providers and get you the lowest bundled rate online. Get quoted today in just five minutes.
- Install Home Security Devices
You probably paid a small fortune for your home, so why not secure it with home security upgrades? Spending a couple of hundred dollars on simple improvements can save you 5% or more; this means installing sprinkler unity, fire and intruder alarm systems, and upgraded dead bolts on your doors. Although expensive, you can have greater peace of mind knowing your home is professionally monitored and get a small price break on your home insurance. Home security monitoring packages that connect to the fire department and police can get you an additional discount on coverage.
- Upgrade your Home to be More Disaster Proof
You can do other things to improve your house to be more resistant to specific disasters. Some improvements like upgrading to storm shutters and adding a roof resistant to fires are two suggestions. Also, new heating and electrical units can make your home more efficient and help lower you reduce your ins bill a bit. Of course, this will be an investment, but it will also save you money on homeowners insurance with an excellent price break. For more tips, contact your local praetorian agent today.
- Shop Online for the Best Home Insurance Deals
Time is money, as the saying goes, and you can save both by getting home insurance quotes online. Gone are the days when you would get out a heavy yellow book and go through several pages, calling up aggressive agents and trying to find the lowest house insurance price. Today it is easier than ever to compare home insurance deals on the web. You need to start at a good website that will give you at least five rates to compare. It is a good idea to shop for both bundled auto and homeowner coverage and individual house insurance. This way, you can compare what package works best for you and saves the most. Also, ensure each provider you are considering getting insured through has at least a B rating from A.B. Best rating company. This is super important because insurers always go out of business through bad financial management, which is the last thing you want to happen.
Once you have checked the financial health of the provider you are interested in, you need to determine the type of coverage you want. Call a praetorian insurance company if you need help, and one of our professional agents will be happy to assist you with plans that adequately cover your home. You can also go online, get a no-hassle quote 24/7 and shop for the lowest national prices from all the best carriers. Get started today and lower your house insurance bill.