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More Tips for Finding Affordable Home Insurance Policies

In our last article, we shared four tips with readers about how property owners can keep down their homeowners’ insurance premiums. In this blog post, we’ve collected four more tips that can save you hundreds of dollars each year—and even protect your home from damage.

Tips for Protecting Your Home While Saving Money

  • Understand your rebuilding costs. Many homeowners make the mistake of insuring their home for as much as they bought the property for. However, that price includes the cost of the land, which is often significant. Save money by not buying more property insurance than you actually need.
  • Consider your deductible. Just as with many other forms of insurance, the higher your deductible, the lower your premium. Think about a real-life scenario in which your home was damaged and needed repair. What kind of deductible would you find reasonable?
  • Buy a home in a safe area. If you are in the process of purchasing a home, you can make choices that leave you with a lower insurance premium. Staying away from home with old plumbing or electrical systems, choosing a home with a wind-resistant brick exterior, or living near a fire hydrant can all affect how much your home insurance costs.
  • Research the company. It doesn’t matter if your insurance coverage is cheap if your insurance company has a history of poor customer relations, acts of bad faith, and other business troubles. Buying a policy from a historically good company—even at a slightly higher price—can help you save money in the long run.

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