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You may be surprised to know that there are things you can do to lower your homeowners insurance rates. Homeowners insurance is one of those necessary evils; it’s something we all have to have but nobody really wants to pay for it. The good news is that there are steps you can take to make your rates more affordable. Keep reading to learn more!

Shop Around and Compare Rates

Homeowners insurance rates can vary quite a bit from company to company. That’s why it pays to shop around and compare rates before you buy. Even if you’re happy with your current homeowners insurance policy, it’s a good idea to compare rates at least once a year to make sure you’re still getting the best deal. Here are a few tips to help you get the most accurate comparisons:

  • Get quotes from multiple companies.
  • Make sure you’re comparing apples to apples by getting quotes for the same coverage limits and deductibles.
  • Ask each company what discounts they offer and how much you could save by taking advantage of them.

Bundling Policies

One of the best ways to reduce homeowners insurance rates is by bundling your policies. Many insurance companies give a discount to customers who have more than one policy. For example, you may be able to get a discount on your homeowners insurance if you also have your auto insurance with the same company. Be sure to ask your agent about bundling discounts when you’re shopping for homeowners insurance.

Increase Your Deductible 

Another way to lower your homeowners insurance rates is by increasing your deductible. The deductible is the sum of money that you would need to cover yourself in case of an accident.. By increasing your deductible, you’re essentially telling the insurance company that you’re willing to take on more risk. In return for taking on more risk, the company will lower your premium. Just make sure you don’t set your deductible so high that you wouldn’t be able to afford it if you did have to make a claim!


You can also save on homeowners insurance rates by taking steps to make your home more disaster-resistant. For example, installing storm shutters or impact-resistant windows can help protect your home from wind damage, and thus qualify you for a discount on your premium. Similarly, installing a sprinkler system can help protect your home from fires, and many insurers will give you a break on your rates if you have one installed.

Getting Discounts

On that note, getting discounts overall can lower the cost of your homeowners insurance rates, but you have to know the right questions to ask. If you have been insured by a company for a while and never made a claim, this may qualify you for a lower rate. Newlyweds can often get a discount just for being married. Living in gated communities, which have higher security and thus lower risk of burglary, or having an HOA, which holds you to a higher standard of upkeep on your property and appliances, can also qualify you for discounts. Finally, most insurers offer loyalty discounts for customers who stay with the same company for several years. However, your agent may not offer them to you outright, so it’s always best to ask what discounts you qualify for!

Ready to Learn More?

If you’re looking for more information on lowering your homeowners insurance rates, check out our website for a wealth of resources on homeowners and auto insurance. Our site includes tips on how to save money on your premiums, advice on choosing the right policy, and information on what to do if you need to make a claim. So if you’re looking for information be sure to check out our website!


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