Top 10 Ways to Reduce Your Home Owners Insurance Premiums

Home Owners Insurance

Today’s economy has us searching for ways to save money on everything including bills- even your home owners insurance. Fortunately, we are here to help you with that. Not only do we have great rates for you, but we offer (and don’t hide) some fantastic discounts that you may be eligible for. Here are ten ways to lower your home owners insurance rates and to help lighten the burden of your monthly bills.

Increase Your Home Owners Insurance Deductible

Your deductible is the amount you agree to pay before the insurance company starts paying on a claim. If you have a low deductible, consider raising it to at least $500 to $1,000. You could save up to 25% on your premiums.

Combine Your Home Owners Insurance and Car Insurance Policies

Buy your homeowner’s and auto insurance policies from a company that offers both, like We offer discounts up to 25% for combined policies.

Other Home Owners Insurance Discounts

Make sure you’re receiving all the discounts for which you’re eligible for, like protective devices, multi- policy discounts, etc…

Don’t Buy Extra Home Owners Insurance Coverage You Don’t Need

It makes no sense to buy insurance to protect jewelry you don’t have or earthquake coverage if you are nowhere near where earthquakes occur.

Keep Your Home a Better Insurance Risk

You can make subtle changes to  your home to make is less expensive and easier to insure, such as electrical upgrades or plumbing upgrades or even adding a security system.

Be Aware of What Your Home Owners Insurance Policy Covers

Your home is your biggest investment. Make sure it’s adequately protected your assets. Don’t under insure your home to save costs, but make sure that all your belongings are covered in case of a claim.

Keep Your Insurance Coverages Up To Date

Once a year, before your home owners insurance policy is due to renew, give us a call for an On Your Side Review, where we review any changes in your situation that may affect your policy.

Stay Away From Risks That Insurers Avoid

There are certain types of risks that Insurers just plain stay away from and there are some that Insurers tend to shy away from, but don’t avoid them altogether. They are just a little more wary and they could cost you more on your insurance premiums; for example, owning a swimming pool or trampoline.

Improve Your Credit Score

Even insurance companies are gradually more using credit information to quote insurance policies. Keep a healthy credit score.

Shop Around for Homeowner’s Insurance

Shop around for discounted homeowner’s insurance rates but keep in mind that you may be receiving a faithfulness discount if you’ve been with your current insurer for several years. Also, you want to be sure to stick with an insurance company you can trust.

We are here to help you in any way we can. Being a reputable, honest, and trustworthy company for many years, we have earned the reputation as an insurance company you can trust. We offer you great ideas on how to keep your costs down, yet still giving you the coverage that you deserve. Call your Atlanta Insurance agency now to get an insurance quote on your home owners insurance.