As a homeowner, you want to make sure your family and belongings are always safe, which means investing in a reliable homeowners insurance policy. However, you don’t want—or need—to spend a fortune to accomplish this goal. By working with an independent agency, you can find numerous ways to lower premiums and still enjoy the coverage you need. 

How to Lower Homeowners Insurance Costs 

1. Invest in Security Measures

Insurance companies determine premium costs based on perceived risks or how likely they think it is that you will file a claim. As such, one way to reduce premiums is to reduce the risk of needing to file a claim, such as by purchasing a security system for your home. Installing motion-activated lights, burglar alarms, and security cameras could all have a positive impact on premium rates. 

2. Bundle Protections 

An independent agent can help you shop around for the best rates among various providers. However, once you’ve found a policy you like, try sticking with that provider. Many insurance companies offer incentives for loyal customers. If you purchase multiple types of coverage from them, such as auto and homeowners insurance, you may qualify for a discount. 

3. Boost Your Credit Score

Many providers use credit scores as a way to set premium rates. If your score is in good standing, you’re already likely receiving a discount. However, if you have poor credit, take steps to improve it, such as paying bills on time or consolidating debt. 

A home is major investment, which means you need adequate coverage. Luckily, the knowledgeable agents at First State Insurance Agency can help. Since 1956, this company has been a staple of the community, with locations in Beatrice, David City, and Hickman, NE. As an independent agency, they work with top providers like Progressive® and Aflac® to find customers a wide range of coverage types, including auto, business, renters, life, farm, and homeowners insurance. To speak with a friendly representative, call (402) 979-7585. Learn more about their company values here.