4 Ways You Can Save on Your Home Insurance Premiums

Your home is likely your biggest investment, so protecting it is one of your highest priorities. That’s why insuring it might also be one of your biggest expenses—but it doesn’t have to be. When looking for the right homeowner’s insurance in Kennedale, there are a few things you can do to save on your homeowner’s insurance premium. Here are four tips to lower your premiums and why you should talk to a homeowner’s insurance agent in Kennedale today.

Do Your Homework

When it comes to finding the right homeowner’s insurance in Kennedale, it pays to shop around. Ask friends and family members for their recommendations, research potential agents online, and gather quotes from at least three different insurance providers. The more you shop around and compare rates, the less you’ll end up paying in the end.

Keep in mind that price isn’t everything. While you want to find the lowest rate available, you also want to make sure the insurer you choose delivers quality service.

The National Association of Insurance Commissioners can help you find a reputable homeowner’s insurance agent in Kennedale. It allows you to view reviews and complaints about each provider.

Increase Your Deductible

Another way to save on your homeowner’s insurance premium is to increase your deductible (the amount of money you must pay before your insurance company starts to pay the claim). Typically, the higher the deductible, the lower the insurance premiums.

That said, make sure your deductible is an amount you can actually afford to pay out of pocket. For example, if you don’t have $5,000 to spare, don’t make that your deducible.

Avoiding small claims can also prevent your premiums from increasing.

Bundle Your Home and Auto Insurance with the Same Insurer

Talk to your homeowner’s insurance agent in Kennedale and see about bundling your home and auto insurance. Most insurance companies want your business, so if you are willing to buy multiple policies from them, chances are that they’ll give you a discount and you’ll be able to save on your homeowner’s insurance premium.

Just make sure to do your research and confirm that bundling your policies with the same agent will in fact cost you less and not more.

Improve the Safety and Security of Your Home

Not only does installing a security or camera system on your property lower your chances of a break-in, but it can also lower your homeowner’s insurance rate. By taking preventive steps to deter burglars, you become less of a liability in the eyes of your insurance provider.

Make sure to also install and regularly maintain your smoke detectors and carbon monoxide detectors and perform home maintenance (e.g. roof repairs) to prevent disasters from occurring. You might also want to consider updating your heating, plumbing, and electrical systems to reduce the risk of a fire and water damage.

Talk to your homeowner’s insurance agent in Kennedale to see what security systems and home upgrades could qualify you for a discount.

Are you looking for a reliable and trustworthy Farmers Insurance agent in Kennedale, Texas?

Farmers Insurance – Crystal Schuder Agency has you and your family’s best interests in mind. We believe that your home is an extension of you, and therefore you need customized home insurance coverage to cover all of your specific needs. Contact us today if you’re looking for homeowner’s insurance in Kennedale.

 

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