Raleigh is more than the capital of North Carolina – it’s also a place filled with history and beauty, and one that thousands call home. And when you’re a homeowner, it’s important that you take steps to protect your investment. Your home needs homeowners insurance, and if you have a mortgage you’ll be required to carry coverage.
But while it’s important to make sure that your home is covered, it’s also important to make sure that you don’t spend too much on that coverage. A few things are worth taking a closer look at and could help reduce your monthly premiums by varying degrees. Here are some of the primary things to look into.
- Are You Current On Your Policy Changes? – We’re not talking about being current on your monthly payments. Instead, are you up to date with everything that an insurance company may be able to offer you? Every year, changes could happen to taxes, regulations, and to your policy that might help you get a better rate. It’s a good idea to look into a review with your insurance company from time to time.
- Can You Bundle? – Bundling home insurance, auto insurance, and even business insurance or motorcycle insurance into one basic policy could have a dramatic impact on your costs. Bundles could get you a reduced rate on all of your insurance costs by as much as 15%, so it’s well worth looking into.
- Is your home safe? – Things like making sure your home is safe and protected could net you some discounts on insurance costs. Things like an alarm system, sprinklers, or security cameras could all help reduce your monthly premiums by showing that your home is safer than others on tut there.
- Do You Qualify For Other Discounts? – From senior citizen discounts to customer loyalty discounts, sometimes there are some programs that could help reduce your costs as well. You’ll want to talk to your homeowner’s insurance rep about these, but doing so may help you save money every month.
Simply put, there are a lot of steps worth considering that could have a direct influence on your homeowner’s insurance costs. The key is taking the time to look into them on a periodic basis. If you’re looking for the right rates and the right coverage, we can help. Contact Amistad Insurance Services today to learn more about your current coverage and where you could save money on it.
