When it comes to home insurance you can find some amazing prices when you shop around. The fact that there are so many insurers out there that would love to insure your home brings about a great deal of discount available to consumers. Here are some easy discounts to find when shopping for insurance.
Multiple policy discount-This one’s pretty obvious, but also amazing to me how many people don’t have the home and auto insurance together. There are actually cases when it is much cheaper to separate the two policies, but it is always advisable to check with your independent insurance agents to make sure your getting the best option available to you.
New Roof Discounts-If the roof is less than 2 years old, you can usually save around $60-80 per year with the new roof discount. If it is as new as 10 years old most carriers will still provide a small discount on your home insurance quote. Every little discount adds up when they are all added up!
New Home Purchase Discount– A lot of people shopping online and reading this will be new home purchase individuals. Many home insurance companies out there offer a new home purchase discount as a way to earn your business considering that you don’t currently have a carrier representing you. They like to take advantage of the fact that you have to get something and will work harder for the chance to make you a long term customer.
Deductibles-Most agents and companies are encouraging higher deductibles for homeowners nowdays and have been doing it long enough that almost everyone has a $1000 deductible, or close to it. I do see times nowadays though where there is still a really low deductible that’s causing the home insurance rate to be unnecessarily high. Carrying a $1000 deductible most of the time is the best price option.
Consider these discounts when looking for new home insurance and get your mind thinking to find more. If you shop around with an independent insurance agency that offers multiple companies and can shop the market for you, then you can also score a better deal and usually better coverage without all the hassle.
