• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us Call Us Today | (863) 683-9334
Home
  • Home
  • Get A Quote
    • AutomobileImage of right arrow
      • Auto Insurance Quote
      • Auto Quote Short Form
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
    • Flood
    • HealthImage of right arrow
      • Health Insurance Quote
      • Long Term Care Insurance Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • LifeImage of right arrow
      • Life Insurance Quote
      • Term Life Insurance Quote
    • Motorcycle
    • Recreational Vehicle
    • Renters
  • Customer Service
    • AutomobileImage of right arrow
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • ID Cards Request
      • Declaration and Coverages Request Form
    • Business & CommercialImage of right arrow
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Homeowners
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
  • Blog
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
    • News Center
  • About Us
    • About Garland Insurance, Inc.
    • Location Map
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
 
Auto Insurance AUTO Read More
Homeowners Insurance HOME Read More
Business Insurance BUSINESS Read More
Life Insurance LIFE Read More
Health Insurance HEALTH Read More
Boat Insurance BOAT Read More
Home > Blog > 5 Easy Ways To Lower Your Home Insurance Premiums
TUESDAY, MARCH 3, 2020

5 Easy Ways To Lower Your Home Insurance Premiums

Homeowners InsuranceWhen you look up tips on saving money on home insurance, you're often confronted with big decision ideas. Buy a home that's cheaper to insure. Move to a safer neighborhood. Build a 12-foot-tall brick fence around your yard.
These are great ideas if you're rich and have the freedom to switch houses at a moment's notice. But they’re not so great if you're just looking for a quick and simple way to get your premiums down.
With that in mind, here are five easy ways to lower your home insurance premiums:

  1. Ask your agent about discounts. You may find that you already qualify for several discounts, or that you could qualify with a few simple fixes around the home — such as burglar alarms and smoke detectors.
  2. Raise your deductible. Your insurer probably recommends a deductible of around $500. Many homeowners suggest raising that up to $1,000, if you think you'll be able to afford a $1,000 deductible at a moment's notice. This could result in as much as a 25 percent discount on your premiums.
  3. Bundle your insurance. Simply buying your auto and home insurance from the same company can make a big difference. Part of what you're being charged for when you pay your insurance premiums is going to be things like processing fees. Most insurers will give you discounts simply because they're happy to have the business.
  4. Review the value of your inventory. You already know to update your inventory once a year. But you should also take the time to review the value of your inventory. Take depreciation into account. There's no point in paying to insure something at the price you initially paid for it if it's no longer worth that price.
  5. Look into brand loyalty measures. If your insurer isn't giving you a great deal, then find another insurer. But most insurers offer loyalty discounts at certain intervals. You may wind up with 5 percent off your premiums after three years, and 10 percent off after six years. You still want to do a little comparison shopping every now and then, but there are discounts that kick in over time.
    Saving money on your insurance doesn't have to be difficult or time-consuming. Sometimes it's as simple as making a phone call.
 
Posted 4:23 PM

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.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2012

  • insurance(39)
  • tampa(23)
  • florida(21)
  • home insurance(13)
  • auto insurance(10)
  • life insurance(7)
  • business insurance(6)
  • car insurance(4)
  • liability insurance(4)
  • commercial insurance(4)
  • claims(3)
  • homeowners(3)
  • business owners(3)
  • saving money(2)
  • term life insurance(2)
  • mortgage(2)
  • liability(2)
  • health insurance(2)
  • homeowners insurance(2)
  • lakeland(2)
  • teen drivers(1)
  • summer(1)
  • tampa insurance(1)
  • prescription drug coverage(1)
  • storms(1)
  • final expenses(1)
  • car technology(1)
  • accident prevention class(1)
  • retirement(1)
  • insurance for artisans(1)
  • new season(1)
  • septic companies(1)
  • maintenance(1)
  • insurance myths(1)
  • safety tips(1)
  • life insurance eligibility(1)
  • percentage deductibles(1)
  • renewing a policy(1)
  • tornadoes(1)
  • distracted driving(1)
  • in dash technology(1)
  • small business owner(1)
  • lakewood(1)
  • mobile home insurance(1)
  • best age(1)
  • home exterior(1)
  • furnace(1)
  • small business insurance(1)
  • new homeowner(1)
  • sliding damage(1)

View Mobile Version
Facebook
Twitter
LinkedIn
Google+
Progressive
Nationwide
Travelers
Safeco
Mapfre
Foremost
Southern Fidelity
Twitter Logo
Tweets by GarlandInsFL

Resources

Home About Us Get a Quote Customer Service Write a Review Newsletter Contact Us

Contact Us

Map
  • 5620 US Hwy 98 N
  • Lakeland, FL 33809
  • P: 863-683-9334
  • F: 863-687-4027
  • Email Us
© Copyright. All rights reserved.
Powered by Insurance Website Builder