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Tips for Saving and get Insurance
The price you pay for home owners insurance can vary by hundreds of dollars depending on policy options and the provider you choose. In order to find the right policy at the lowest possible price.
Shop Around for the Best Homeowners Insurance Rate
Comparing homeowners insurance rates from multiple providers is the simplest, easiest way to save money on your policy. An online broker / comparison service such as Antietam makes getting multiple insurance quotes quick, easy and of course free of charge.
Use the Same Carrier for Your Homeowners and Auto Insurance
Purchasing your homeowners insurance and your car insurance from the same insurance carrier could save you up to 15% on both premiums.
Only Buy the Coverage You Need
Home owners insurance policy limits should be revisited every year to reevaluate any major purchases and additions. On the other hand, many of the possessions that homeowners insure depreciate significantly over the course of a year. Home owners should update their home inventories and reevaluate policy limits regularly for possible savings.
Raise Your Deductible
Increasing your deductible by just a few hundred dollars can make a significant difference in your premium. Most deductibles start at $250; if you can raise your deductible to $1,000, you may save up to 25% on your premium. Remember, raising your deducible means more expense out-of-pocket should an accident happen, but lower premiums.
Insure Your Home, Not the Land Under It
Consumers often overpay for homeowners insurance by including the value of the land that their home resides on. Remember that you only need to insure the home itself and your possessions, not your land. In the event of a total loss due to a fire or other disaster, your land will most likely remain intact. You don’t have to worry about over-insuring when doing business with Antietam, we run a comprehensive cost estimator to arrive at the correct replacement cost for each home we quote.
Maintain a Good Credit Score
Maintaining good credit is an effective way to lower your insurance costs. A good credit rating shows the insurance company that you’re more likely to be responsible and may be a lower risk to insure.
Discounts
There are a myriad of homeowners discounts that go unrecognized by many consumers. For example, strong home security and safety features in the form of smoke detectors, security systems, deadbolt locks, storm shutters and fire-retardant roofing can often afford you lower rates.
A new home’s electrical, heating and plumbing systems and overall structure are likely to be in better shape than those of an older home; therefore new homes are usually charged lower rates than older homes in the same price range
Insurers often offer discounts to seniors and “loyalty discounts” to customers who have purchased policies for a number of consecutive years.
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