There are a number of ways to lower insurance premiums on your residential policies.
Select Higher Deductibles
The easiest way to lower your premiums is through the use of deductibles. A key to maintaining low insurance premiums is to ensure you only claim under your policy for significant losses. Insurance companies offer sizable discounts for increasing your deductible to $1,000.
Discounts
- Alarm System Discounts - For clients who have a smoke and/or burglar alarm installed.
- Dual Policy Discount - Insurance companies offer discounts to clients who combine their Residential and Auto policies with one insurance company.
- Household Inventory Discount - For clients who have submitted a household inventory.
- Mature Discounts - For clients over age 50.
- Mortgage Free Discount - For clients who do not have a mortgage.
- New Home Discount - For clients with newer homes.
- Non-Smoker Discount - For clients who do not smoke.
- Sprinklered Residences Discount - For clients who have water sprinkler systems installed in their homes to control fires
- Superior Construction Discount - For clients with homes built of fire resistive masonry or brick homes or having clay tile roofing materials.