Tuesday, February 5, 2019

Premium Savings: Homeowners Discounts You Might Not Know About

Homeowners Insurance is often a forgotten cost when people begin shopping for a home. After purchase, most homeowners pay their insurance premium from their mortgage escrow accounts, so they still may not give the annual cost much thought. As premiums increase over time, and new discounts become available, here are three ways to minimize your Homeowners Insurance costs: 

  • Ask about Windstorm Mitigation Credits: Brand-new homes usually receive automatic discounts for wind-resistant roof and window features. For homes that are a little older, those features may exist but need proof to obtain discounts. Here is where a Wind Mitigation inspection is useful. Ask your agent whether a “Wind Mit” is likely to reduce your premium, and be sure to mention if your roof and windows have been replaced. The savings could be as much as 35 to 40 percent!

  • Consider a Higher Deductible: Your deductible is the amount you are responsible for at the time of a loss. Generally, increasing your deductible will also reduce your premium. For example, raising your non-hurricane deductible from $1,000 to $2,500 may save you as much as 5 to 10 percent or more on your annual premium.

  • Inquire about Other Discounts: Homeowners Insurance companies provide many discounts, some of which you may already qualify. Ask your agent about discounts for:
    • Claims-free
    • Favorable Credit / Insurance Score
    • Senior / Retiree
    • Multi-policy
    • Alarm Systems
    • Water Loss Prevention Systems
    • Gated or Single Entry Community
    • Accredited Builder

Your agent can best advise you on which discounts may be applicable to your policy. He or she may also switch your coverage to a different insurance company who offers better rates or more discounts for your home. By being proactive, you can help keep your home insurance costs down without sacrificing coverage.


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