Berlin & Denys Insurance
  • Home
  • Quotes
  • Service
  • About
    • About Us
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Newsletter Signup
    • Non-discrimination Policy
    • Privacy Notice
    • Blog
  • Contact
  • Our Team
  • Careers

Berlin & Denys Insurance Blog

How to Lower Your Home Insurance Costs in Practical Ways

3/24/2020

1 Comment

 
Picture
​Most people pay more for their home insurance than they have to. In fact, the price of two homeowners paying for the same type of house can vary by several hundreds of dollars. That depends on the insurer as well as your policy. If you want to save on your home insurance costs, here are some practical ways to consider it.
Shop Around
Although it takes time, you should shop around for the best home insurance. The rewards will be great. You should ask your friends and family if they know of any good insurance companies. However, don’t consider the price alone. Always check out the coverage if it is what you need. Get a fair price for such coverage, and ask your insurer what you could to further lower your home insurance costs.

Raise Your Deductible
Deductibles refer to the amount of money that you need to spend for a loss before you can receive your claim from your insurance company. The higher the deductible you've set, the more money you can save on your premiums. As long as you do your best to be responsible for the safety of your home, then you can always do this. Remember that a deductible of $1,000 can give you as much as a 25 percent discount.

Make Your Home More Disaster Resistant
Find out from your insurer what you can do to make you pay lower premiums for your home insurance. At the same time, get specific suggestions on how you can make your home more resistant to disasters so that you can reduce your home insurance costs. Usually, modernizing your plumbing, heating, and electrical systems help. However, check with your insurer first if those things can actually give you lower premiums.

Improve Your Home Security
Get a smoke detector, dead-bolt locks, or a sophisticated burglar alarm, but check with your insurance company first. Some companies will give you as much as a 20 percent discount if you have such security gadgets in your house. These systems don’t come cheap though, so make sure that your insurance company will give you a good discount for installing them.

Maintain a Good Credit Record

Always pay your credit card and loans on time in order to establish an unquestionable credit history. Stable credit history may give you a good discount. Your insurer knows your credit record and will not hesitate to raise your premiums depending on it. Thus, pay your bills on time and never spend your credit on anything unnecessary until your insurance company has set your premium.

Your home insurance costs depend on what you do and on how much you have prepared your home for it. Never dismiss these tips as useless because saving a few to several hundred dollars is actually economically beneficial to you. Make your home insurance count, and make it count well.

At Berlin & Denys Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (800) 946-3303 or Click Here to request a free quote.
1 Comment
Curtis Butler link
2/12/2021 08:57:30 am

I had no idea that increasing your deductible can help make your premiums more affordable. My wife and I have recently moved to a house that is close to where I go to work, and we need to find some affordable insurance since my job will be our only source of monthly income until my wife gives birth and gets a job next year. We'll consider increasing our deductible once we choose an insurance policy that works for us.

Reply



Leave a Reply.

    Contact Us

    (800) 946-3303​
    801 Magnolia Street
    New Smyrna Beach, FL 32168​
    Click Here to Email Us

    Archives

    March 2025
    August 2022
    July 2022
    June 2022
    May 2022
    June 2020
    May 2020
    April 2020
    March 2020
    February 2020
    January 2020
    December 2019
    November 2019
    October 2019
    September 2019
    August 2019
    July 2019
    June 2019
    May 2019
    April 2019
    March 2019
    February 2019
    January 2019
    December 2018
    November 2018
    October 2018
    September 2018
    August 2018
    July 2018
    June 2018
    May 2018
    April 2018
    March 2018

    Categories

    All
    Accelerated Benefit Policy
    Business Insurance
    Car Insurance
    FAQs
    Final Expense Insurance
    Financial
    Flood Insurance
    Health Insurance
    Home Insurance
    Insurance
    Life Insurance
    Local
    Medicare Supplement Insurance
    Safety
    Term Life Insurance

    RSS Feed

Navigation

Homepage
Policy Services
Insurance Products
Agency Referral Form
SAN Referral Form
SAN Referral Agreement 
Non-discrimination Policy
Privacy Notice
​Website Login


Follow us on social media

Contact us

New Smyrna Beach- Main Office
801 Magnolia Street
New Smyrna Beach, FL 32168

(800) 946-3303
Click here to email us
​See Other Locations
REVIEW US
website by Insurance Splash
  • Home
  • Quotes
  • Service
  • About
    • About Us
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Newsletter Signup
    • Non-discrimination Policy
    • Privacy Notice
    • Blog
  • Contact
  • Our Team
  • Careers