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Save on Homeowners Insurance: Tips for Lowering Your Homeowners Insurance Payments

Shopping for the best deal on homeowners insurance may not be as exciting as shopping for other sales, but a savings on your homeowners insurance can really add up!

If you are looking for ways to cut your homeowners insurance costs, read on for five simple ways to save money on your homeowners policy.

Bundle Your Policies

Consider getting homeowners insurance and car insurance from the same company. Do you have motorcycle insurance, ATV insurance, boating insurance, or RV insurance? You may be able to save by purchasing policies through one company. Many companies offer discounts if you purchase multiple policies.

Understand Your Policy

Understanding your policies can help you save. While it’s important to make sure you have enough coverage, some coverage options can be excessive and in some cases even unnecessary. For example, when selecting a homeowners policy, make sure you have the right amount of coverage. You are insuring your house -not the entire value of your property. After all, your property isn’t at risk for theft or fire damage. Evaluate your policy and make sure you have enough coverage, without going overboard.

Update Your Home

Preparing your home to withstand damage can help to lower your policy. If you live in an area prone to windstorms, consider making your property windstorm resistant. Adding storm shutters, and reinforcement to your roof can help you to save on homeowners insurance. Updating and modernizing certain things such as electrical and plumbing can also help save you on your homeowners insurance. Make sure you inform your insurance company after upgrades that you do to your property, it may help you to save!

Improve Security

Simple security improvements that can benefit you and your family can also help to save you money. Check with your insurance agent to see if there are discounts available for improved home security. Things such as smoke detectors, burglar alarms, security systems, and dead bolts can add up to some savings.

Ask About Discounts

Ask your insurance company about available discounts. Many insurance companies offer discounts for retired people, or if you are over a certain age. Ask what discounts you might be eligible for, you may be able to save.

At Katy Texas Insurance, we want to help you find the best deal on homeowners insurance. Talk to our Texas homeowners insurance experts to find out how we can help you save. (877) 952-1010