So sparen Sie Geld bei den Versicherungstarifen Ihres Eigenheimbesitzers

Die Versicherungsprämien für Eigenheimbesitzer können je nach Variablen um Hunderte von Dollar variieren. einschließlich Ihrer Versicherungsgesellschaft, Selbstbehalt, Kreditwürdigkeit, Rabatte, und andere Faktoren.

Beim Kauf einer Wohngebäudeversicherung, Es lohnt sich, vor dem Kauf mehrere Faktoren zu prüfen.

Hier finden Sie einige Informationen, wie Sie das beste Angebot für eine Hausratversicherung oder andere Versicherungstarife erhalten.

10 Ways to Save Money on Homeowner’s Insurance Rates

Below is a quick list of 10 ways you can save on your homeowner’s insurance.

Table of Contents

1. Shop Around for Better Insurance Rates

The easiest way to save money on your insurance rates is to shop around for a company that will give you a better deal.

Just be sure that you are comparing the same level of coverage when you compare insurance prices and that you are dealing with a reputable company.

Get multiple quotes at the same time. There are several online companies that will search multiple insurance companies for the best rates, similar to Priceline or Travelocity for travel.

When you request a quote through these companies they will give your homeowner’s insurance rate quotes from several real estate agents and companies – including most of the major companies you are already familiar with.

2. Increase Your Deductible

Deductibles are the amount of money you are required to pay toward your claim before your insurance chips in.

A higher deductible will lower your monthly insurance payments. Just make sure you have enough money in your emergency fund to cover your deductible!

3. Combine Your Homeowners and Auto Insurance Policies

Many companies will give you discounts for having multiple accounts with them. You may be able to save anywhere from 5-15% with a multiple policy discount.

4. Loyalty Discounts

Many companies offer loyalty discounts for insuring your home with them for a prolonged period of time. Be sure to ask your insurance company if they offer these discounts.

5. Maintain a Good Credit Record and Credit Score

Your credit score can have a direct effect on your insurance costs. Improving your credit score can lower your insurance costs.

6. Enhance Your Home Security

Most companies will give you a discount on your annual homeowner’s insurance bill with proof of a home security system or enhanced security features.

Additional items home insurers look for include smoke detectors, fire alarms, burglar alarms, deadbolt locks, and sprinkler systems.

7. Make Your House Disaster-Resistant

No home is 100% disaster-proof.

But if you can prove to your homeowner’s insurance company that your home is less likely to suffer catastrophic losses in the event of an emergency, you may receive discounts on your homeowner’s insurance premiums.

Some examples may include storm shutters, stronger roofing, sprinkler systems indoors and outdoors, structural enhancements in earthquake zones and more. Be sure to discuss this with your insurance company for more details.

8. Review Your Insurance Policy Annually

Be sure to reassess your needs and the limitations of your homeowner’s policy on a yearly basis. you may find out that you are paying for more coverage than in necessary, or vice versa.

You want to ensure you have adequate insurance, but that you aren’t paying for more than you need.

Don’t forget to review the riders you may have for special items such as jewelry, artwork, electronics, or other high dollar items.

Ebenfalls, be aware that many homeowner’s insurance policies do not cover flood insurance.

9. Insure for the Amount to Rebuild Your House, Not What You Paid for Your House

The odds are high that a substantial portion of your home’s purchase price included the land beneath the house.

If your house is destroyed, it will cost less to rebuild the house than it would to purchase the house because you are not paying for the land.

The land under your house usually isn’t at risk from some of the major items covered by your homeowner’s insurance, including theft, fire, wind damage, and other damages.

10. Ask for Additional Discounts

Sometimes all you need to do to get a discount is ask. Also look for membership discounts for being a member of a group such as AARP, AAA, military or trade organizations, and other associations or groups.

Bonus tip:Pay your premium upfront . Many insurance companies will give a 5-10% discount for paying your annual bill upfront instead of in monthly installments. It never hurts to ask!