On this page, you will find helpful guides to working with an insurance agent and getting the most from your insurance policy.
There are ways you can reduce your home insurance premium. Consider the following when purchasing or renewing your home insurance policy.
Get and compare quotes from different insurance companies, brokers and agents
Increase your deductible
A larger deductible may result in lower premiums
Combine your home and auto coverage
Some insurance companies will offer premium discounts if you purchase two or more policies
Seek out other discounts
Check to see if you qualify for any additional discounts such as a non-smoker discount
Install or upgrade your current smoke and carbon monoxide detectors, alarm system or door locks
Improve your home to be more disaster resistant
Find out if there are additional things you can do to protect your home from natural disasters
Renew your coverage annually
Review your specific coverage annually and adjust as needed to save money
Don’t switch insurance companies midway through the policy
Wait until renewal time to avoid a cancellation penalty