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6 Ways to Save on Homeowners Insurance


concept housing a young family. Mother father and child in new house with a roof


  1. Add an alarm system.   Many insurance companies reward you for adding extra protection like a central station alarm system to your home.
  2. Bundle and Save.  One of the best ways to save big on your homeowners insurance is to bundle your home, auto, and umbrella policies with the same company.  This could save you hundreds.
  3. Increase Your Deductible.  The higher the deductible, the lower the premium.  Consider the highest deductible you would feel comfortable paying in the event of a loss.
  4. Your Siding Material Matters.  If you have hardy plank/cement fiber or brick siding, you premium will be lower because that material is more fire resistive.  Make sure your policy shows the correct siding material.
  5. Life Insurance? If your insurance company also sells life insurance, consider adding a life insurance policy to take advantage of the multi-policy discount.
  6. Review Your Policy. If you have had the same policy for many years, it’s probably time to review.  The replacement cost of your home goes up each year to account for inflation.  Sometimes it goes up too much which means higher premiums for you.