Home insurance is a financial safety net for the unexpected, from bathroom leaks to burglary. A good policy with reliable coverage can put your mind at ease should the worst happen. Yet, you still don’t want to pay more than necessary for this coverage. To help you shave down the cost of home insurance, take a look at these new tips.
Increase your home security
- Install security alarms and smoke alarms
- Use high-quality door and window locks. If they are outdated, consider upgrading them
- Install security lighting that deters burglars
- Use a safe to store your high-value belongings
Get the right home insurance policy
- Increase your deductible to lower your premium – Remember to keep this at an affordable out-of-pocket cost
- Pay annually rather than monthly if it works out cheaper
- Bundle your other insurance policies together. Many insurers offer discounts when you take out more than one policy with them
- Avoid over-insuring by only buying the coverage you need
- Think twice before you file a claim as frequent filing can affect your premiums, even if nothing is paid out
Avoid damage and disasters
- Insulate exterior and exposed water pipes before the cooler months
- Clean out the gutters seasonally
- Prune dead and dying trees from the yard
- Maintain the roof
- Remove combustible, dry, organic material from the side of the house
Finding affordable homeowners insurance that protects your property doesn’t have to be difficult. Contact the team at Reata Insurance Group. We can help you secure reliable home coverage in Texas that suits your needs and budget.
