Secret Home Insurance Credits

Investing in a homeowner’s insurance policy is a must. With all the protection that is provided by the policy, investing in the right home insurance policy can mean huge savings if you ever have to repair your home after a disaster. While having the right homeowners insurance policy is very important, it does not have to break the bank. Keep these secret home insurance credits in mind to help reduce the cost of your policy.

• Gated community – living in a gated community can give both you and your insurance agent peace of mind, which can lead to lower premiums. Since there is an added layer of security between your home and burglars, many home insurance companies will provide a discount of up to 20 percent.
• New wiring – thousands of home fires begin each year due to old or faulty wiring. Updating your home with new wiring that is properly installed can lead to up to a 10 percent credit on your homeowners insurance.
• Claim free history – just like your auto insurance provider will provide a discount if you have not had any accidents, your homeowners insurance company may lower your home insurance rates if you have not had any claims in the past. For each year that you do not have a claim, you are saving your insurance company money, and they will pass those savings onto you.
• Non-smoker – not only is smoking bad for your health, but it can also be bad for your homeowners insurance. Almost 19,000 home fires start each year from smoking, causing serious residential property loss. Quitting smoking can help you save up to 15 percent on your homeowner’s insurance premiums.

For all of your homeowners insurance needs and to ensure that you have the right amount of protection, all at the right price, contact the insurance professionals at Agape Brokers Insurance Agency in Hemet, California.

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