Call Us (608) 845-7979 ☰ ˟
(608) 845-7979
Email Us
Logo
  • Home Page
  • Get A Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Home
    • Auto
    • Health
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Renters
    • Workers Compensation Quote
  • Customer Service
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance
      • Add Driver to Existing Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Request ID Card for Commercial Auto Policy
    • AutoImage of right arrow
      • Auto Insurance
      • Add Driver to Existing Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Request ID Card for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
    • Classic Auto
    • Cyber Liability
    • HomeImage of right arrow
      • Home Insurance
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Health
    • Life
    • MotorcycleImage of right arrow
      • Motorcycle Insurance
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Request ID Card for Motorcycle Policy
    • Professional Liability
    • Renters
    • Workers Compensation
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About Us
    • Our Locations
    • Employee Directory
    • Privacy Policy
  • Contact Us
Home > Blog > 5 Ways to Reduce Home Insurance Costs
THURSDAY, APRIL 14, 2022

5 Ways to Reduce Home Insurance Costs

Saving money on home insurance is easier to do now than ever before. You may already know that avoiding claims can keep your premiums from increasing. You may know that bundling policies cuts costs, too. There are various other ways you can reduce what you pay for home insurance if you know what to look for specifically. Here are some tips. 

#1: Keep Your Credit History Positive 
Believe it or not, your credit score plays a role in how much you'll pay for home insurance. A key reason for this has to do with how insurers view this number. A high credit score indicates you are responsible, and therefore a safer financial risk. You are less likely to miss payments or defraud the company. 
Modern house
#2: Don't Overlook Private Plans 
In some high-risk areas, government plans seem to be the best option because of their availability. For example, if you live in an area at risk for coastal storms, government plans are common. However, private home insurance plans may still be an excellent choice, and even a more affordable option. Remember, private plans can be purchased through your independent insurance agent. 

#3: Determine What You Really Need 
If you are currently looking for a new home insurance plan, talk to your agent about what your actual needs are. In some cases, you may need less overall coverage, or perhaps more coverage. Remember that it does not make sense to purchase a policy (even if it is less expensive) if it cannot protect you from the risks you are most likely to face. 

#4: Ask About Discounts as you Get Older 
Many times, insurance rates on real estate drop as the property owner gets older. For example, if you are 55 years of age or older, call your agent to ask about discount options. Some insurers will offer up to a 10 percent discount for seniors. 

#5: Make Your Home Less Risky 
Adding improved roofing materials, hurricane-strength siding and a better flood prevention system not only keeps your home safe and reduces your energy costs, but often also helps to reduce your overall insurance cost. 

When it comes time to renew your home insurance plan, call your agent to learn about all of your options. Don't settle for just any plan, but rather one that gives you the peace of mind you need. 
Posted 6:28 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Logo
Quick Links
Home Our Products Customer Service Report a Claim
About Us Refer A Friend Payment Options Blog Contact Us
Location
1001 Fourier Drive Suite 100
Madison, WI 53717



Phone: (608) 845-7979
Fax: (608) 845-9366
Social Social Social Social
© Copyright. All rights reserved.
Powered by Insurance Website Builder