7 Effective Ways To Lower Your Homeowners Insurance Costs

​Homeowners' insurance is expensive, but still, it's a necessity. Here are seven ways to help lower your homeowners' insurance costs.

1. Do Your Research
   Search around for a perfect policy that's not only within your budget, but is well-recommended. It only takes a few simple clicks to know which insurers are the best. There are many reviews on the internet that allow you to have as many options as you want. 
   
   
2. Raise your deductibles
   Deductibles are the amount paid by the policyholder towards a loss before an insurance provider starts to pay any claims and expenses. Insurance providers usually recommend a minimum of $500. However, if you increase the amount to $1000, you can save as much as 25%.
   
   
3. Disaster-Resistant Homes
   The more disaster-prone, your house is, the higher insurance claim you have to pay. It doesn't hurt to ask your insurance agent some tips to make your house more resistant. It lessens the cost of your policy, but it also helps take care of your home better.
   
   
4. Improve your home security
   Although fire and burglar alarms aren't that cheap, they can still help you lessen your insurance cost. Many companies give discounts up to 20% if your house is equipped with such alarms. 
   
   
5. Get Every Discount You Can Have
   Different companies offer different discounts. Discounts may depend on your financial position or even your age. Of course, it still depends on your situation, so be sure to ask your insurer if you're eligible for any discounts. 
   
   
6. Maintain a good credit record
   Nowadays, insurers are using credit records to determine the price of home insurance policies. It helps to have a good credit history. Keep your balances at the minimum and only get the amount of credit that you need. Make sure to check your credit record daily to establish a good credit history. 
   
   
7. Stay With Your Insurer For A Few Years
   Make sure you understand everything about your insurance policy and talk to your insurer now and then. Many companies offer special discounts for loyal policyholders. Insurers themselves may even give discounts.

At Insurance Agency Network, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (425) 681-0996. You can also request a free quote by CLICKING HERE.