6 Tips For Reducing Your Home Insurance Premiums

Insurance Articles

The price of your home insurance can depend on several different factors, such as your credit score and the age of your home. If your premiums are getting too high, you might feel pretty frustrated. You know that home insurance is something you have to have, but you're still struggling to pay for it. However, if you are willing to make some changes, it is possible to have affordable home insurance again. Here are six tips for reducing your home insurance premiums.

Raise Your Credit Score

Your credit score affects your home insurance premiums more than you think. An insurance company will look at your credit score to determine how likely you are to file claims. If your credit score is on the low side, the insurance company may see you as a bigger risk and charge you more for insurance. This can be frustrating, but you have the power to change it. If you make an effort to raise your credit score by paying your bills on time and paying off your debt, your insurance company may lower your premiums.

Consider Getting Rid of Your Trampoline

If you have a trampoline in your backyard, you may think it's a great way to keep your kids and their friends entertained for hours. While that may be true, it still might not be the best idea to have a trampoline in your backyard. Kids have been known to fall off trampolines and suffer serious injuries. If your child's friend gets injured while jumping on your trampoline, your insurance company will be liable for the damages. To protect themselves from losses, your insurance company may charge you higher premiums for having a trampoline.

Make Your Home Resistant to Disasters

Another way to lower your home insurance premiums is to make your home more disaster resistant. For example, you may consider installing storm shutters or reinforcing your roof. The less likely your home is likely to suffer damage from natural disasters, the less risk your insurance company will have. They may appreciate the fact that you are making your home resistant to disasters and offer you a discount on your insurance.

Improve Your Home's Security

Burglaries can happen in the nicest neighborhoods these days. If you take the steps to improve your home's security, you won't just keep your family safe. You can also get a discount on your home insurance. For instance, you could install an alarm system in your house. If someone tries to break into your home, the alarm will sound off and alert authorities. Other good security features for your home include deadbolt locks and motion sensor lighting.

Take Your Dog to Obedience School

If you own an aggressive dog breed, like a Rottweiler or pit bull, your insurance company may charge you more for your home insurance premiums. They may be afraid that the dog might bite a guest in your house. To reduce your premiums, you don't necessarily have to get rid of your dog. If you send your dog to obedience school, your insurance company many decide to reduce your premiums.

Look for Other Discounts

There may be several other discounts you qualify for, so don't be afraid to ask your insurance agent about them. For example, if you are retired, you may qualify for a discount. You are more likely to stay home more often, so you have less of a chance of getting burglarized.

Your home insurance premiums don't have to derail your budget. If you follow these useful tips, you can reduce your home insurance premiums and have more room in your budget for other things.Visit a site like http://www.unitedsecurityagency.com for more suggestions and information. 


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When I lost my job, I also lost my health insurance. I've never had to buy health insurance on my own before, so when I went to my insurance agent, I had no idea where to start. The coverage options, deductibles, co-pays, and premiums were confusing. I wasn't sure how to make sense of all of the tiers and doctor's networks. I created this site to help others who've never purchased health insurance before. The posts here are full of resources for insurance coverage, and I hope that it will help you to find the policy that's right for you.