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After the time, effort, and money is put into securing your dream home, protecting your property and the possessions inside must be a priority. Homeowners insurance is designed to offer that sanctuary because it covers the unexpected. Having a policy in place doesn't have to be costly, however. Here are several ways to help reduce the cost of this important insurance coverage.

Ways to Reduce Homeowners Insurance

Install Safety & Security Equipment

Many insurance carriers will provide discounts on premium payments if the home has safety and security equipment. These include burglar alarms and smoke and carbon monoxide detectors. Even additions such as sprinkler systems and video surveillance could qualify for discounted coverage.

Provide Disaster Protections

Another way to reduce your homeowner’s insurance payments is by implementing protective measures to your house against natural disasters. For instance, homes located in earthquake-prone areas can be modified to improve foundations and walls. Adding storm shutters for added reinforcement against inclement weather could also result in lower premiums.

Request Custom Discounts

homeowners insuranceHomeowners may be surprised at the number of discounts offered by insurance companies. Senior citizens could be eligible for money-saving incentives. Members of certain professions, including teachers, nurses, and firefighters, might qualify for discounted coverage. Ask an insurance agent for any additional deductions you could be eligible for.

Obtain Policies From the Same Carrier

One popular way to keep premium payments down is by having one provider hold all your insurance policies. Some carriers will reduce premium payments if the policyholder has homeowners, car, life and other plans with the same provider. In addition, if coverage on each policy is renewed each year, there may be more available savings.

 


Having a comprehensive homeowners insurance in place is certainly worth the investment. Fortunately, coverage doesn't have to break your budget. Let the team of professional and friendly agents at Kalita Agency Inc., in Watertown, CT, help you secure coverage to protect your property. As an independent agency, the firm is able to shop around for the best rates from of the nation's leading carriers. To get started with a free quote, call (860) 274-8882 today. Visit the website for more information about their products and services.

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