Call Us 919-851-4448 ☰ ˟
Logo
Call Us 919-851-4448
  • HOME
  • Our Agency
    • AboutImage of right arrow
      • About Us
      • Our Locations
      • Employee Directory
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Roadside Assistance
        • Specialty Auto Insurance
        • 24-Hour Customer Service
        • Towing
        • Rental Reimbursement
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Supplemental Insurance
        • Disability Insurance
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
      • Financial ServicesImage of right arrow
        • Financial Planning
        • Annuities
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Alarm Contractors Insurance
        • Construction Insurance
        • Specialty Trade Contractors Insurance
        • Healthcare Practice Insurance
        • Manufacturing Insurance
        • Retail Insurance
      • Coverage for Your BusinessImage of right arrow
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Get A Quote
    • Contact Our Companies
    • Contact UsImage of right arrow
      • Vic Fisher Insurance
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Supplemental Insurance
      • Disability Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
    • Annuities
    • Farm Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Alarm Contractors Insurance
      • Construction Insurance
      • Specialty Trade Contractors Insurance
      • Healthcare Practice Insurance
      • Manufacturing Insurance
      • Retail Insurance
    • Coverage for Your BusinessImage of right arrow
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • General Liability Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Contractors Insurance Quote
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Trucking Insurance Quote
  • Resources
    • Refer a friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About
    • Our Location
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Homeowners Icon

Homeowners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business and Commercial Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Health Icon

Annuity

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > How to Save on Home Insurance
THURSDAY, FEBRUARY 2, 2023

How to Save on Home Insurance

Home insurance is required if you have a mortgage on your home, but that does not mean you can’t find ways to save money on your homeowners insurance policy. Here are several ways you can pay a lower price for great coverage.  Modern house

  1. Ask. You never really know until you ask, right? Talk with your independent insurance agent and find out if there are any discounts available to you. Some examples of possible discounts are marital status, nonsmoker, multi-policy and claim-free. Depending on the company who provides your insurance, there may be different options. 
  2. Raise the deductible on your policy. This is one of the easiest ways to pay a lower insurance premium. If you raise your deductible from $250 to $1,000, you can cut your premium by up to 30 percent. Just be sure you have at least $1,000 put away in case you do have to file an unexpected claim. 
  3. Add security features. You may receive discounts on your policy by simply installing security features in your home. A security alarm, fire extinguisher and deadbolt can save you an average of five percent. Upgrade to a security alarm that will automatically call 911 and you can save up to twenty percent. 
  4. Review any riders. Riders are extra coverages you may have purchased. Look over them and determine if you still need them. For example, you may have extra insurance on your jewelry. If you no longer have the jewelry, you no longer need the rider. 
  5. Shop around. How long ago did you purchase your insurance policy? If it was some time ago, that does not mean that the company who insured your home is still the best option. Circumstances change and so do rates. Review your coverage with your independent agent each year to see if there is a better option to fulfill your needs. 
  6. Take an inventory. It is important to have a reliable document of everything you own. This serves as proof if anything should happen and you need to file a claim. It is nearly impossible to remember all of your belongings, so inventory it all. With a document, you will have proof; this helps assure that your items will be replaced, meaning you won’t have to waste money to insure it all. 
Posted 3:51 PM

Tags: home insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • life insurance(6)
  • auto insurance(6)
  • bop insurance(5)
  • health insurance(4)
  • home insurance(4)
  • homeowners insurance(2)
  • business owner's policy(1)
  • annuities(1)

View Mobile Version

Contact Us Today!
919-851-4448

Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

2703 Jones Franklin Road, Suite 103
Cary, NC 27518

Ph: 919-851-4448 | Fx: 919-851-4445
© Copyright. All rights reserved. | Powered by Insurance Website Builder