Part of protecting your home involves making sure that you’ve got the best homeowner's insurance in place. We understand that you don’t want to pay more than you need but we also understand the need for being properly covered.
So we’ve put together some tips on how to save on your homeowner’s insurance, not to mention any other kind of personal insurance that you and your family may need to protect yourselves and your assets.
Tips to save on your homeowners insurance
Upgrade your home
Wondering what this has to do with your home insurance? Well, it isn't just about increasing the value of your home, but more so ensuring that your home has all of the protections it needs in case of a natural disaster or the like. Keep in mind that newer windows or doors may have additional protections that 50 year old windows may not have, for example.
Whether it’s an older home that needs new windows, or a home in an at-risk area that needs extra protection from wind storms or flooding, don’t be afraid to upgrade for that added protection. The more secure and better protected your home is, the better and it may impact your overall premium for that reason. Plus, regular maintenance on your home helps get it to last as long as you plan to live in it!
Make sure you keep your credit score stable
The higher your credit score is, the better. However, another important aspect is that you should also work at making sure that you keep your credit score stable. If it dips down or gets a large ding in it — for whatever reason — it may impact your premiums as a result. Do what you can to protect it and you’ll find that can save you with insurance as well as your overall financial standings.
Bundle your services
For the best rates, you’ll find that bundling your insurance policies together is going to give you the most benefits. Whether you are bundling your homeowners or renter’s insurance with flood insurance, business insurance or auto insurance, put it all under one roof — see what we did there? — and enjoy significant savings that way.
Build up a relationship with your local agent
If you want to make sure that you are getting the best rates possible, the best way to is build up a reliable relationship with your local agent. Not only will they be able to tell you about new discounts coming up, they’ll also be able be inclined to help you find those little tiny add-ons that can save. This is usually work you have to do when you are dealing with an 800# - calling them to be sure you are receiving the best price - what a hassle!
Along that same note, your local agent will also be able to shop around with the various carriers each renewal to see what else is out there for insurance plans. When they know that you are simply looking to save money while protecting your home, they’ll be more than happy to help you make sure that you are paying the best rate for that protection.
Having a relationship with your agent can pay off as they know you, your family, your needs best, plus you are building trust with them, and them with you.
The best local insurance broker is the one that can offer you full service for all of your insurance needs. When you need a full-service independent insurance agent that is going to work to help you save as much as possible in your premiums, shop no further. The right spot to call home is right in front of you, Harbour Insurance Services, all you have to do is contact us, at (281) 520-4090 or get a free online quote here today!