If you are looking for a cheap homeowners insurance, you often may have to compromise the price; the more expensive the better policy. Although this is the main rule, there are some exceptions. One of these exceptions is to get discounts on homeowners insurance.

Have You Filed claims the last couple of years?
If you haven't filed any claims for a couple of years or so, you might be able to save up to 15% on your premiums. Also, if you use the same insurance company for a couple of years, that will also look good and you can save really save big bucks.

Are You Really Protected?

Many companies will offer you a discount if you have things like burglar alarms or smoke detectors installed. You might also have one that is connected to a third party monitoring company. That will save you even more!

Why Not Receive Multiple Policies From The Same Company?
It might be a great solution to get it all together.. auto, home, recreational, travel and whatever other coverage you need to get under the same company .. you can save a lot. This can chop off a whopping 10-15% of your premium. All it takes is just a little bit of planning!

Know Where The Nearest Fire Station Is Located
There are a few things in terms of location that can alter your premiums. If you live far from a fire station or fire hydrant, you'll normally have to pay more. The opposite is the case if you live within the city limits; then you will pay less on your premiums, compared with living in a more rural area.

The Building Materials of Your House Can Impact Rates
What your house is made of will actually make a difference in how much you pay. For example, wood houses carry higher premiums than good, solid concrete or brick structures.

Higher Payments On The Deductible
If you can afford it, you should pay as much as possible on your deductible, thus your premium will be lower. If you are able to pay something like $200 or $1000, you can bring that premium down as much as 20%!

Stop Smoking!
Non-smokers will save cash; even as much as 15% in many cases. Check out if the company you use offers a deal for non-smokers. Smoking accidents account for more than 23,000 residential fires every year. Some insurers offer to reduce premiums if no one in the home smokes.

These are just a few pointers to help you save cash on your homeowners insurance. Remember, you should always consult your independent insurance agent for the right advice for your situation.

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Posted 11:22 AM  View Comments

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