www.FindAzProperties.com - 10 Ways to Lower Your Homeowner's Insurance

• Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower.

• Buy your homeowners and auto policies from the same company and you’ll usually qualify for a discount. But, make sure that the savings really yield the lowest price.

• Make your home less susceptible to damage. Keep roofs and drains in good repair. Prepare your house to protect against natural disasters common to your area.

• Keep your home safer. Install smoke detectors, burglar alarms, and dead-bolt locks. All of these will usually qualify for a discount.

• Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.

• Ask about other discounts. For example, retirees who are home more than working people may qualify for a discount on theft insurance.

• Stay with the same insurer. Especially in today’s tight insurance market, your current vendor is more likely to give you a good price.

• See if you belong to any groups, associations or alumni groups, that offer lower insurance rates.

• Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.

• See if there’s a government-backed insurance plan. In some high risk areas, such as coasts, federal or state government may back plans to lower rates. Ask your agent.

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