I’ve worked long and hard to achieve our piece of the American Dream. Going to school to get the degree, making the effort to succeed at our jobs, and finally putting the effort into finding a home we like in a neighborhood we want to live in. We have paid our dues so we can have that American Dream. However, owning a home is only the first step to being able to relax and enjoy having a home. A key step to that process is having great homeowner’s insurance. Any company can sell you insurance, but finding the best homeowners insurance companies that have policies at a great price takes effort.
First, sit down and take a look at all the companies out there along with their policy options. Finding a policy that enables us to have the insurance we need while remaining affordable is essential. Having a great insurance agent willing to sit down with us and go over our needs makes that process virtually painless.
Next, work with your agent to see if there are available discounts because of other policies you may have with their company. This can save you hundreds of dollars per year. Your insurance agent will be more than happy to take the time to sit down with you and show you the advantages of having your car, home, life and other insurances all based from one source, enabling you to not only save money, but save paperwork and hassle when it comes time to renew.
In addition, your agent will be happy to provide information and tips about what you can do for and with your property and house to improve the rates. Whether adding an alarm system, making your home kid-proof, adding dead bolt locks and other home security measures, using a lawn care service, having periodic maintenance checks on the house and property or some other relatively inexpensive things you can do to reduce your rates, your agent has all that information available for you.
Finally, another good option is to sit down with an agent before buying a home to check out those different neighborhoods. Some neighborhoods have better insurance rates than others, and some homes have better rates based on their location. Being closer to a fire hydrant or fire station can actually reduce rates significantly, so taking the time to find out the best houses to live in can be well worth your while when it comes to insurance.
There are a lot more ways to save money on your insurance than these. By investing a little time and effort now, you can save yourself a lot of time, money and aggravation later. So, sit down with your agent and have him go over all the different ways you can save on your homeowners insurance today!