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414 26th St W
Bradenton, FL, 34205
United State

9417477283

Manatee Insurance Services, Inc. have been working locally with Floridians to save money and time insuring all major properties including Autos, Homes, Motorcycles, and Boats for over 35 plus years! Come save money and time finding the right insurance all under one roof. Lets get saving Florida! Contact us for a second look on what you will save.

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Tips That Can Lower Your Home Insurance Premium

Matthew Smith

If you think that your home insurance bill is too high, you aren’t the only one.

A survey from InsuranceQuotes.com states that homeowners pay twice as much for their insurance if they have poor credit score as opposed to a good score.

 Home Insurance Factors

Home Insurance Factors

If your home insurance premium is becoming unaffordable, then switching back to bare bones policy is not a good option at all. What you should be doing is finding ways to reduce the premium on your insurance without having to compromise on coverage.

Here are a few ways in which you can do that:

Shop Around

Never settle for the first thing that you find. Have a look around when purchasing insurance to ensure that you are getting adequate coverage in the best prices possible.

There are several ways to shop around, including agents, online sites and consumer guides. However, it is important to be careful when shopping around, and not be myopic.

You may find an insurance company that is providing low insurance prices, but may not be very financial stable, which means investing in it is quite risky.

Claim Discounts

One of the best ways to reduce your home insurance premium is to claim as many discounts as you can. There are several discounts offered by insurance companies.

Some discounts include, installing deadbolt locks, burglar alarm, CCTV cameras, smoke detectors and many more. Getting these security items isn’t very expensive, but can save you several hundred dollars on your insurance premiums.

Renovate your home

Houses which have old structures have higher premiums, so a good way to lower insurance premium is to renovate your home.

One of the benefits of having renovations is that they keep your home up to the building codes that are prevailing in your state. This is a point which you must always raise in front of your insurance assessor as you may be liable for discounts.

Disaster Resistance

How well is your home prepared to face disasters, such as thunderstorms?

Consider installing roof reinforcements as it is the first line of defense against the external elements. If your roof is able to survive anything, then the rest of the house will probably be fine too.

Other things you can do to make your home disaster-resistant are adding storm shutters and protection for the plumbing and electrical system.

Pay on Time

How well you keep up with your insurance payments is associated with your credit score, so make sure that you are paying your insurance premium on time.

Several home insurance companies look into the credit score when deciding your premiums, which is why maintaining a good credit score is something that can save you money.

Get in touch with us if you are live in Bradenton, FL. We provide insurance for homes, cars, motorbikes, flood and boats. Visit our website to learn more.