As a homeowner, you probably watch as thousands of your hard-earned dollars slip away to pay for your homeowners insurance policy. Insurance for your home is a must, but that doesn’t mean you have to overpay for it! Follow these recommendations to help lower how much you spend on coverage each month:

• Compare quotes from numerous insurance carriers. Ask your family and friends for advice, or look in the yellow pages. Just make sure you spend at least some time shopping around to increase your chances of finding a less-expensive policy.
• Increase your deductible, and your monthly payments will go down in price. This can help you save almost 25%!
• When you are determining how much coverage you need, don’t include the value of the land. It is not subject to as many risks as your actual home is, so paying for coverage would be a waste.
• Go to the same carrier for your home and auto insurance policies. Customer loyalty may qualify you for some hefty discounts.
• Safeguard your home against theft and natural disasters. Install storm shutters, a security system, or think about reinforcing your roof.
• Increase the security of your home. Install a smoke alarm, burglar alarm, and heavy-duty locks. You could save almost 20% on your insurance premium by making these small changes.
• Ask your insurance agent if there are any other discounts you qualify for. You may be surprised at the number of possibilities!
• Keep your credit score high. Pay your bills before they are due and don’t get more credit than you need.
• Stay with the same insurance carrier. You may qualify for a discount if you have been with them for long enough.
• Reevaluate your policy each year.

If you have any additional questions regarding homeowners insurance, go ahead and contact Agape Brokers Insurance Agency! We have been serving California’s consumers for over 23 years, and have excellent customer service! Let us help you with all of your insurance needs, and give us a call, today!

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