Your dream home is the biggest investment of your life and the purpose of purchasing a homeowner’s insurance is to protect that investment. Homeowners know that home insurance is one of those inescapable expenses that come along with having a house but you can save more than 30% on your homeowner’s insurance. If you are living in Houston then below are the top 8 ways by which you can save a lot of your money on your next Houston Home Insurance;
1. No Claims History
If you have no claim history in the last five years, then insurance companies will give a discount to the customers with no claim history. So, always try to avoid filing a claim that is less than 3x your deductible, and also avoid the claims that are denied because although your claim is denied, it still goes in your claims records. That’s why at Houston National Insurance, we always recommend our customers contact us first before filing a particular claim. Many responsible homeowners fix their smaller house issues instead of filing an insurance claim, and they are compensated by having some of the discounts.
2. Increase Your Deductible
A homeowner’s insurance deductible is the sum of cash that you pay when you file a claim with the insurance company. Once you pay your deductible, the insurance company takes steps for a covered loss. The interesting fact is, the higher your deductible, the lower your monthly installments. If you have a $1,000 deductible, then chances are limited that you would file a claim for $1,000 worth of damage. If you’re not going to file a claim for that small amount, then by increasing your deductible can save you money as much as 25% on your monthly installments.
3. Do Some Renovations
The best way to get discounts is to renew your roofs, heating, electrical, and plumbing systems in the house. Home Renovations can not only increase your home’s value but also saves a lot of money on your homeowner’s insurance. A new roof results in up to a 10% discount in your home insurance installments. Improving your home’s HVAC, electrical, and plumbing systems could save you an additional 10-15%. We always recommend talking to an insurance agent before doing any one of these renovations to your home, as they guide you about how your insurance rates will be affected.
4. Talk to an Insurance Agent
If you are looking at ways to cut your insurance costs, then it is better to talk to an Insurance agent to understand your insurance policy. A reputable insurance agent will help you to understand your insurance policy and guide you about all the possible discounts about homeowners’ insurance. Insurance agents are working with many insurance companies at the same time and they will help you to get the best discounts, home insurance quotes, and rate for your coverage
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Many insurance companies offer age discounts to people who are retired or are over 55 years of age. Aged people stay mostly at home so there are less chances of burglary and insurance companies love that. Some companies offer a “Senior discount,” or a “Retiree discount” by which you can get a 10% discount. Aged people are experienced homeowners and they take care of their homes very wisely to prevent damage. So, if you are a retired person, then don’t ignore your retirement discount!
6. Install the Fire Alarm
According to The Insurance Information Institute, fire is the most expensive claim in homeowners’ insurance with an average claim of over $39,000. Fire can even burn the whole house and results in the most significant potential loss. Insurance companies will give you a special discount if you have installed a fire alarm in your house. A fire alarm system reduces the severity of fire damage by letting you know about the fire on time. So, if you have already installed a fire alarm in your house then don’t be ignorant, you should get a discount and save your money.
7. Smart Security System
Burglary is very common in almost all parts of the world and proves expensive claims for insurance companies with an average theft claim is over $4,000. But now with the advancements in the technology and with the arrival of smart security systems, you can easily prevent a burglary. By having a smart security system, you can get a 2-8% discount on your homeowner’s insurance. Insurance companies love such types of systems because there are fewer chances of claims.
8. Improve Your Credit
Insurance companies and agents inspect the property and credit of the insurance holder to find out their credit score. Your credit score will affect your homeowner’s insurance because insurance companies give discounts to people with high credit scores. In other words, if you have a high credit score then it means you can easily pay your bills and there are fewer chances that you file a claim. So, if you already have a strong credit score, then don’t forget to get a discount. But if your credit score is not strong then take important steps before purchasing a homeowner’s insurance to improve your credit score and get special discounts to save a lot of money!
If you are serious about getting huge discounts for home insurance in Houston, you will need to read this.We at Houston National Insurance of America look forward to serving you for years to come!