Homeowners insurance is necessary, but it can be costly.\nYou may be paying more than you have to. Here are some ways that you may be\nable to lower your premiums without giving up important coverage.<\/p>\n\n\n\n
If you shop around, you may discover that insurance companies charge a wide range of premiums for the exact same coverage. Even if you compare rates before you bought your current policy, the company you\u2019re with now may no longer be the cheapest. It\u2019s a good idea to compare premiums once a year to make sure that you\u2019re still getting the best deal available.<\/p>\n\n\n\n
Companies that sell homeowners insurance<\/a>\ntypically offer other types of coverage, such as auto and life insurance.\nBundling multiple policies, or buying two or more types of insurance from the\nsame company, typically means lower premiums. If you currently have coverage\nthrough different insurers, get quotes to find out how much it would cost to\nbundle your policies.<\/p>\n\n\n\n Insurance companies offer a variety of discounts to make\ncoverage more affordable for their customers. Changes that make you less likely\nto file a claim may save you a significant amount of money. For example, you\nmay get a percentage off your premiums if you install deadbolt locks and a\nmonitored security system. You may also save money if you upgrade your home\u2019s\nmajor systems and install features, such as shutters, that will protect your\nhouse from storm damage. <\/p>\n\n\n\n You may qualify for a discount on your premiums if you\u2019re\nretired or if you work in a particular profession. Those types of discounts will\ndiffer from one insurance company to another.<\/p>\n\n\n\n If you file a claim, you\u2019ll have to pay a deductible before\nyour insurer will cover bills related to a loss. Insurance companies offer\nseveral deductible amounts, and premiums are generally lower for policies with\nhigher deductibles. <\/p>\n\n\n\n If you currently have a low deductible, selecting a higher\ndeductible may take a chunk off your premiums. Just be sure that you would be\nable to come up with that sum if you had to file a claim. If you can\u2019t cover\nyour deductible, your insurance company won\u2019t pay a claim.<\/p>\n\n\n\n Petruzelo Insurance makes it easy to compare coverage\noptions and premiums from several insurers. We can discuss your needs, your\ncurrent coverage, and how much you\u2019re paying and work with you to find you a\nhomeowners insurance policy with the coverage you need at a price that fits\nyour budget. Contact us<\/a> today to\nlearn more.<\/p>\n","protected":false},"excerpt":{"rendered":" Homeowners insurance is necessary, but it can be costly. You may be paying more than you have to. Here are some ways that you may be able to lower your premiums without giving up important coverage. Compare Rates from Several Insurers If you shop around, you may discover that insurance companies charge a wide range […]<\/p>\n","protected":false},"author":1,"featured_media":3021,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-3020","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homeowners-insurance"],"_links":{"self":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/3020","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/comments?post=3020"}],"version-history":[{"count":1,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/3020\/revisions"}],"predecessor-version":[{"id":3022,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/posts\/3020\/revisions\/3022"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/media\/3021"}],"wp:attachment":[{"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/media?parent=3020"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/categories?post=3020"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.petruzelo.com\/blog\/wp-json\/wp\/v2\/tags?post=3020"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Ask about Discounts<\/h2>\n\n\n\n
Raise Your Deductible<\/h2>\n\n\n\n
Get Help Finding Affordable Homeowners Insurance<\/h2>\n\n\n\n