Texas Insurance Agency Articles
Most of us are always on the lookout for ways to save money, when it comes to your home insurance policy, it’s no exception.
If you are looking to save money on your homeowners insurance policy, without compromising the coverage offered –here are some tips to help you save.
- Improve Home Security
Many insurance companies offer discounts for those who take active measures to avoid break-ins. Ask your insurance agency if they offer discounts, and consider sprucing up your security measures. Simple things such as deadbolts and security alarms can offer you and your family additional security –and as a bonus, could possibly save you money.
- Combine Policies
Bundling your insurance policies could save you money. For instance, if you have car insurance, as well as house insurance –you might think about obtaining both policies through one insurance provider for additional savings.
- Review Your Policy Riders
It’s a good idea to periodically review any insurance riders that you may have. Extra coverage options for your belongings, while important, should be reviewed every few years. If you no longer have the items that you once insured –there is no reason to have additional insurance still out on them. Be sure to review your policy riders every year and make sure you still need them.
- Stay With the Same Insurance Company
Many insurance companies will offer discounts for those customers who have been with them for a while. For instance, those who have been with insurance agencies for five years may receive a discount on their policy. Be sure to ask your insurance agency about loyalty discounts.
- Don’t Insure Your Property
You may have not considered before, that the price you paid for your home is not necessarily the amount you should insure your home for. The price you purchased your home for, includes the lot on which your home sits. There is no need to pay premium insurance prices for the property your house is on, recalculate, and make sure the price you have your home insured at is the price for the home itself.
For more information on saving money on home insurance, contact Houston-based company, Insurance Agency Texas today.