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Homeowners insurance is an investment in your financial future. You want to make sure your assets are protected from any unexpected issues, but you probably want to save as much as possible. Fortunately, there are ways to reduce your premiums without reducing your coverage.

How to Lower Your Homeowners Insurance Rates

1. Work With an Independent Agent

Home insurance rates can vary widely from one carrier to the next, so comparing quotes from several companies can result in significant savings. Independent agents work with a variety of insurers, giving them the freedom to comparison shop to find you the best deal.

2. Ask About Bundling Policies

Many insurance companies offer discounts to customers who purchase multiple policies. Buying both your home and auto insurance from the same carrier may reduce your overall insurance expenses, even if the initial quote wasn’t the lowest.

3. Reduce Your Risk

homeowners insuranceHomeowners insurance premiums depend on a variety of factors insurers use to calculate how likely you are to file a claim. Installing storm shutters, a security system, fire alarms, and other protective features will not only keep your family safe, it’ll also bring down your insurance premiums.

4. Raise Your Deductible

The deductible is how much you’ll have to pay before your insurance will honor a claim. Policies with higher deductibles typically have lower monthly premiums, potentially saving you a lot of money over time.

Choosing a homeowners insurance policy is a major decision, which is why residents throughout North Carolina’s Triad Area rely on Zimmerman Insurance Agency. Their independent agents are committed to helping you get the coverage you need at the best possible rates, and will take the time to find a policy tailored to your needs. Visit their website for a closer look at their wide range of services, or call (336) 883-6512 to request a free quote today.

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