Homeowners insurance is one of the smartest investments you can make to protect one of your most valuable assets. However, you always want to make sure you are paying a fair price. With that goal in mind, here are some ideas to help you save on homeowners insurance.
Raise Your Deductible
Regardless of the type of insurance, raising your deductible will automatically lower your rates. However, you should remember that a higher deductible also means higher out-of-pocket expenses should an incident happen. You have to find the right balance between a deductible that keeps upfront expenses reasonable and one that lowers your insurance rates.
Install Security Devices
The safer your house is, the less likely you are to file an insurance claim. Insurance companies know this and some of them reward you with discounts when you install security devices such as fire alarms, burglar alarms, smoke detectors, and sprinkler systems. If you are interested in learning more about how to qualify for these discounts, don’t hesitate to contact the experts at Delgado’s Insurance.
Ask About Discounts
Insurance companies offer a wide range of discounts and you may qualify for some of them! For example, in many cases, purchasing your home and auto insurance from the same insurer helps you qualify for a multi-policy discount. Other common discounts on homeowners insurance include:
- Multi-policy discounts
- Discounts for senior citizens
- Discounts for being insured with the same company for a number of years
- Discounts for modernizing your plumbing and electrical systems
- Discounts for enhancing your home’s preparedness against natural disasters
Looking for Homeowners Insurance in Southern California?
If you need assistance with homeowners insurance, life insurance, or any other type of coverage? contact our experts at Delgado’s Insurance.
Our whole team is focused on a single mission: to help you get insurance that fits your lifestyle without straining your budget.
We have locations in Riverside, California, and Bloomington, California. Contact us today by telephone (951-361-0084, 909-421-9003), email (email@example.com), or through our social media accounts (Facebook, Twitter) to get a free quote and learn more about our full range insurance and tax services.