As a homeowner, you know how important it is to find the right insurance policy for your property. But while you want to ensure you have enough coverage, you’ll also want to avoid paying more than necessary. Here are three ways to minimize your home insurance payments.
How to Reduce Your Home Insurance Payments
1. Upgrade or Add a Home Security System
A safer home is less of a liability to your insurance company—therefore, the less money they’ll require to insure it. By installing or upgrading an existing home security system, you can prove to your insurer that you’re less vulnerable to break-ins and burglaries. Depending on the features you invest in—from alarms to dead-bolt locks—you could save anywhere from 5–20% on your premium.
2. Install Storm-Safe Windows
Inclement weather and natural disasters can also damage your home and possessions. In areas where thunderstorms and blizzards are common, you can lower your home insurance payments by adding storm-safe windows to your property’s exterior. These should be able to withstand high winds and small airborne objects, such as branches.
3. Enhance Your Roof
If your roof hasn’t been updated in several years, you might be able to save money by investing in repairs or upgrades. For example, by switching from wood or asphalt shingles to metal roofing panels, you could make your home more impact resistant during storms and blizzards. If you have a chimney, you could have the flashing around the flue replaced, reducing the risk of water damage and mold growth.
If you need a dedicated agent to help you find the right home insurance, Consolidated Agency Inc in Rochester, NY, will guide you to the ideal policy for your needs and budget. Since 1988, they’ve helped clients throughout Monroe County secure insurance for homes, boats, businesses, and cars. To learn more about their offerings, visit their website. You can also call (585) 467-4110 to speak with an agent about your needs. Visit their Facebook page for more information.