Locate Additional Home Insurance Discounts
You have to have home insurance in California, but you do not have to pay an exorbitant amount of money for the insurance you obtain. In fact, many people are missing out on some of the additional home insurance discounts they could be qualifying for. Unfortunately, most home insurance agents will not tell you that you qualify for the insurance discount unless you ask for them.
One of the first ways to get additional home insurance discounts is to group all of your insurance policies into one policy with one company, this includes homeowners insurance, life insurance and other insurance products you have. Doing this could save you up to 25 percent off your price.
Next, talk to your home insurance agent about discounts they offer. For example, you may be able to lower your home insurance rate by noting your storm protection systems on the home, or the security system you have. Also, ask about location. If your crime rate has fallen in the city you live in, this may be a way to decrease the rate you are being charged. If you live close to a fire department, this too may cut costs for your particular needs.
For additional home insurance discounts, consider discounts based on the way you use your homeowners insurance. If you do not make claims often, point this out to your insurance agent. A no claims discount may be applicable for you in this case. Some agents may also be able to tell you just what types of insurance you should have (as compared to those you do not have and are just adding on to the costs.) For example, if you do not live in a flood zone, you may not need flood insurance.
Keep an eye out for additional home insurance discounts. Work with an agent you trust who will be thorough in examining ways for you to save money on your homeowners insurance.