5 Ways to Save More on Home Insurance
The cost you pay for homeowners coverage can fluctuate by $100s of dollars per year, depending on factors like the plan you get and what company you choose. With a little research and time online, you can find an on-line policy that covers you completely at a great low rate. Let’s check out 5 ways to save money on home insurance online. Get quoted with praetorian home insurance today and get covered from $29 a month.
- Increase Your Deductible
The deductible amount is simply the money you agree to pay first when filing a claim before your insurer kicks in and pays the balance of the claim, which are set in the terms of your homeowner policy. Increasing your deductible can save you a lot of money on premiums. A deductible of $2,000 or more can save you 20% or more. 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. Insurers give big discounts because customers who have high limit deductibles file far fewer claims. Whatever amount you choose, make sure that you set this money aside so if you need to file a claim the money is available.
- Bundle your Automobile and Homeowners Policies
Most of the major carriers sell both auto and home insurance, and they want as much of your business as they can get. You can usually get a discount of up to 15% just by bundling your homeowner and vehicle coverage together. This will also cut down on the hassle of paying 2 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 get it secured with home security upgrades. Just spending a couple of hundred dollars on some simple improvements can save you 5% or more, this means installing a sprinkler unity, fire, and intruder alarm systems and upgraded dead bolts on your doors. Home security monitoring packages that connect to the fire department and police can get you an additional discount on coverage. Although expensive, you can have greater peace of mind knowing your home is professionally monitored and also get a small price break on your home insurance.
- Upgrade your Home to be More Disaster Proof
There are additional things you can do to improve your house so that it is more resistant to certain disasters. This will be an investment of course but will also save you money on homeowners insurance with a nice price break. Some improvements like upgrading to storm shutters and adding a roof that is 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. For more suggestions, 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 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 out 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 as well as individual house insurance. This way you can comparison shop what package works best for you and saves the most. Also, make sure each provider you are thinking of getting insured through has at least a B rating from A.B. Best rating company. This is super important because insurers go out of business all the time through bad financial management, and this is the last things you want to happen.
Once you have checked the financial health of the provider you are interested in, you need to come up with the type of coverage you want to get. Call praetorian insurance company if you need help and one of our professional agents will be happy to assist you with plans that will adequately cover your home. You can also go online and get a no hassle quote 24/7 and shop the lowest national prices from all the best carriers. Get started today and lower your house insurance bill.