There are lots of ways to lower your homeowners insurance premiums, from raising your deductible to purchasing multiple policies from the same insurer. Enhancing your home safety measures can also cut costs, as well as make your property a safer and more secure place to be.

How to Lower Your Homeowners Insurance Premiums 

1. Fortify the Roof

Older roofs are more susceptible to damage caused by wind and hail. Once damage, such as missing shingles, is present, you’re at risk for rook leaks and mold growth within the home. Fortifying your roof now prevents future damage, which could be more expensive to remedy. 

2. Install Smoke & Carbon Monoxide Detectors

Fire spreads rapidly, which is why smoke detectors must be placed on every floor and outside of every bedroom. Carbon monoxide detectors should also be present on every floor as well. 

3. Secure Your Pool

Home pools are considered attractive nuisances in the insurance industry. That means that they can tempt neighborhood kids, whose parents could claim liability after an injury, even if the child is trespassing on your property. Pools must be secured with fencing and covered when not in use. 

4. Invest in a Home Security System

Theft is a common issue for homeowners; even if you’re fully covered by your homeowners insurance, having your home broken into is alarming. Security cameras, alarms, and motion detectors are excellent theft deterrents, as many burglars will avoid homes with these features. 

5. Have a Back-Up Generator Ready

Power outages are not only inconvenient, but they can also cause a great deal of damage in a short time. For example, if a power outage occurs in winter and your home is without heat, you’re at great risk of frozen and burst pipes. Generators provide emergency energy until power can be restored. 

If you’ve made any of the above renovations to your home recently, Zimmerman Insurance Agency would love to hear about it. As a trusted provider of homeowners insurance in High Point, NC, these agents go above and beyond to make sure their clients are privy to affordable rates and comprehensive coverage. Because they work with multiple carriers, they can shop around for a policy that meets your needs as well as your budget. Call (336) 883-6512 to set up a consultation. You can also visit the website for the complete listing of insurance services.