Getting discounts on your homeowner's insurance policy can help reduce your rates, and there are a lot of different discounts available. To find out if you can save money on your home insurance by taking the discounts you qualify for, you should examine the following types of discounts. You can then contact an insurance company and ask for a quote that includes the discounts that you are eligible for. Here are some of the discounts you may qualify for.
New house discount
New homes generally qualify for discounts on home insurance for several reasons. One of the reasons is that new homes are less likely to experience problems, such as roof failure or water damage. If you have a new house, or a house that is relatively new, talk to your agent to see if it would qualify for a new home discount. Typically, a house will qualify for this if it is less than 10 years old, but insurance companies have different standards with this.
New roof discount
Getting a new roof on your home should also qualify you for a discount. Home insurance companies love homes with new roofs, because a new roof protects a home very well. If you recently put on a new roof and have not let your insurance company know about this, call them today to tell them the news. They will probably give you a discount for this.
Safety features discount
Adding safety features to your home is another good way to get a discount on your policy, and any type of safety feature can help with this. For example, if you installed a home security system, you can get a discount. If you added deadbolts to your exterior doors, you may also qualify. Additionally, if you live in a gated community, make sure your agent knows. Gated communities are considered safer, and this offers another type of discount you could take.
Finally, if you are not yet bundling your insurance products, you should start now. Bundling always offers a way to save money, but that is not the only benefit. Bundling makes it easier for you to pay your bills and manage your insurance needs.
One of the best ways to lower your insurance rates is by taking advantage of the discounts the company offers. If you have questions about these discounts or the cost of your policy, contact a home insurance company today.
For more information, talk to companies like Wolf Insurance Agency.