How can you get the most for your money when shopping for homeowner’s insurance? What features should you be looking for in a homeowner’s insurance policy? Not all insurance policies are created equal! You need to get all the facts before you make a decision. Here, we hope you’ll learn some important information and tips about homeowner’s insurance that could save you a bundle of cash.

#1 Know your contents. Take an inventory of your most prized possessions. This is going to decide how much coverage you are going to need. Sounds like common sense, but some people forget some of their most costly or valuable pieces when scheduling individual items on a homeowner’s policy.

#2 Consider the relationship of deductible to cost. Don’t just look at the monthly premiums. The rule of thumb is lower deductibles equal a higher premium while higher deductibles will tend to lower your premiums (however if you have a claim you will pay more out of pocket).

#3 Have you taken any security measures for your home? The cost of a home security system has decreased, while the quality of the system and features has increased. Not only is it a good idea to protect your home and its possessions (as well as your family), having a system can save you significantly on your policy premiums. Smoke detectors and even dead-bolts are often factored into this equation, so make sure to mention them as well when getting a quote.

#4 It’s also worth considering that if you have several policies with one provider (auto plus home plus life, for example) you can potentially save hundreds or thousands of dollars. The discounts of the combined policies may be better overall than just the savings you might get from one specific policy compared to another, and that should be taken into consideration when pricing insurance.

 

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