Are you gearing up to become a homeowner in Florida? You are required, by law, to purchase homeowner’s insurance. It is an important part of owning a home. However, the good news is that it doesn’t have to be an outrageous and exorbitant expense.
Many insurance companies offer discounts and deals that help reduce the costs associated with this type of insurance.
Here, at Manatee Insurance, we can help you find the right home insurance in Sarasota FL.
Here are a few things you can do to get a homeowner’s insurance discount.
1. Make Some Home Improvements
Home improvements make your house look better. But more importantly, small improvements—for example, reinforced roofs, heating system upgrades, and shutter installation etc.—also make home insurance more affordable. These changes can protect the house from damage, increase its resale value and drive down insurance premiums. Home improvements are a good investment.
2. Increase Your Deductible
It’s possible to reduce the monthly premiums by increasing the deductible for your home insurance policy. Yes, you will have to pay a bit more out of pocket before the benefits of your policy kick-in; but in the long run, you will be able to enjoy good savings on your policy payments.
3. Secure Your Home
Installing safety, surveillance and security devices around your home can lead to a reduction in your home insurance costs. A burglar alarm, fire extinguishers, deadbolts, sprinkler systems etc. are all a good investment. Not only are you ensuring the safety of your home and those in it, but also securing long term savings on insurance costs. Insurers might also offer a discount for homes that are resistant to weather, fire and water damage.
4. Bundle Up!
Working with a professional insurance agency always helps. Chances are that your insurance provider offers different types of insurance policies. You may be able to say 15% or more of the costs if you buy multiple policies from the same insurer. Shop around to find a great insurance company that can fulfill all your needs in a go.
5. Double-Check Your Current Coverage
If you already have home insurance, bring out the papers and comb through all the terms and conditions carefully to figure out if there are things you can do to get your current insurance provider to lower your monthly premiums.
Get in touch with us today to get home insurance quotes from leading insurance companies in Sarasota FL.