Did you quit smoking last year? Move into a gated community? Do you live within five miles of the nearest fire station?
These factors – and many others – make you a safer bet for your homeowner’s insurer, which means you can get a significant discount on your insurance premium. Something as simple as installing deadbolt locks and smoke detectors could nab you a discount of as much as five percent, experts note.
How to Lower Your Homeowner’s Insurance Costs
Let’s start with the basics – have you combined your homeowners and auto policies? Most companies want as much of your business as they can get, so look for significant discounts when you bundle your coverage with one insurer.
Next, consider the fact that, the more you limit your insurance company’s losses, the less the company needs to charge you. Insurance is all about betting on risk, so lower your risk of having a bad experience – by installing fire, smoke, burglar alarms or any other ho…
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