5 Ways to Lower Your Homeowners Insurance Costs
1. Shop multiple carriers
One of the best things about AIS is that you get to compare homeowners insurance rates from multiple insurers all in one place. Instead of going from one carrier website to another, and entering the same information over and over again, you can find the best options right here. This guarantees you receive the right coverage for the best price.
2. Bundle your home and auto policies
When you bundle your homeowners and auto insurance policies, most carriers offer a discount of up to 15%. Additionally, you won't have to deal with more than one insurer if you ever need to change or update your policies.
3. Make your home more disaster resistant
Speak with an AIS agent to find out how you can make your home more resistant to windstorms, floods, and other natural disasters. You may qualify for a discount or lower premium if your home has retrofitting, storm shutters, updated plumbing systems, for example.
4. Improve your home security
Similarly, many insurers offer discounts to policyholders with smoke detectors, burglar alarms, and/or dead-bolt locks. For the best savings, ask an AIS agent if the security system you plan to install will qualify you for a discount on your homeowners insurance policy before installation.
5. Review the value of your possessions every year
It's important to make sure any valuable items or additions to your home are properly insured. However, you don't want to overpay for coverage you don't need. Re-evaluating your expensive jewelry, high-end electronics, and/or valuable artwork may help you save money on your homeowners insurance premium.