Ways to Save on Homeowners Insurance

Homeowners insurance cost has slowly gone up over the past few years in California, especially in Southern California.


Shop Around
The most basic and easiest tip is to shop around. Take advantage of free services that offer to match you up with multiple insurance companies who can quote you a price along with a policy.

Raise Your Deductible
A deductible is the amount of out of pocket money you must pay before being able to have the insurance company pay for damages. The higher the deductible, the lower your insurance will cost you. Only increase your deductible to an amount that you will be able to comfortably pay out of your own pocket.

Buy Auto and Homeowners Insurance from the Same Company
Most companies will discount close to 15% if you buy your auto and home insurance through the same company. Don't take this for granted though, still take a little bit of time to compare to see if getting a combo coverage will indeed save you more money.

Improve Home Security
Adding home security such as alarms, smoke detector, dead-bolt locks, and other anti-theft devices can reduce your home insurance premiums.

Good Credit
Insurance companies factor in your credit history while determining a price for your homeowners insurance. The better credit you have, the better price you will receive.