If you are anything like the rest of us you probably haven’t thought about your homeowners insurance policy since you first purchased it and that could be costing you a ton of money. It’s time to pick up that old policy and breath some new, money saving, life into it!
Here are 5 easy ways to lower your homeowner insurance costs
1- Improve your credit rating. A poor credit rating means higher insurance costs & insurance companies love good credit ratings.
2- Install a home security system. Insurance companies love security systems!
3- Plan ahead for natural disasters. If you live in an area that happens to be prone to hurricanes install storm shutters on your windows. Insurance companies love preventive maintenance.
4- Shop around. Insurance companies might not like this one as much as 1-3 but they’ll live. Quite often you will find that an independent insurance agency can find you a better rate with better coverage.
5- Increase your deductible. If you can afford to increase your deductible then do so, your monthly costs will decrease delightfully!
Homeowners insurance, what it covers and how it works, can be a mysterious thing to those who are not in the insurance business and that’s why the Insurance Information Institute is always there to help! Check out this great video about homeowners insurance –
Insurance does not have to be difficult or expensive, just ask the insurance experts at Hudson Valley Agents reevaluate your current homeowners insurance policy! HVA can find you the insurance coverage you need with premiums that fit your budget. Why continue to pay more than you have to for a policy that you purchased years ago? Let HVA show you the way to better coverage with lower prices.