Learning Center

Ways to Save Money When Buying Homeowners Insurance

Be sure to list updates to your property, such as electrical, heating, roofing and plumbing. Then take this list to your agent's office. This information may qualify you for preferred — that is, less expensive — coverage.
Installing safety devices such as smoke detectors, fire extinguishers, dead-bolt locks, burglar alarms, etc. will often qualify you for a safety discount. Be sure to mention these items to your agent when you request a quote.
You can often qualify for a discount/credit if your property is close to a fire department or fire hydrant.

You may quality for a discount if your home is less than 10 years old.
To lower your premium payments, consider a higher deductible if you can afford to pay more out of your own pocket in the case of a loss.
Ask about renewal discounts, which encourage you to continue your policy with the same company.
Place your homeowners and automobile policies with the same insurance company, and you’ll often qualify for a multiple policy or account credit discount.