Ways to Lower Your Homeowners Insurance

Homeowners insurance is a necessary part of homeownership. It is required when you have a mortgage. Insurance helps protect your home from many common issues such as storm damage, fires, and flooding. It comes with monthly premiums that you pay to cover specified items. The amount you pay is determined by several factors including home value, local climate, coverage, and if you are in a floodplain or not. The premiums are not always the most affordable. Here are some tips for lowering your homeowners insurance:

• Bundle Insurances: You likely have home and auto insurance. Often, companies will offer bundling discounts for having both your policies with them. The more the better most times.

• Install Security System: Doing small upgrades like installing deadbolt locks, smoke detectors, and a security system can decrease your premiums by up to 20 percent.

• Improve Disaster Resistance:  You may qualify for insurance reductions if you install storm shutters, replace your roof, and upgrade your electrical system.

• Raise Deductible: Your deductible is the amount of money you pay towards your claim. If you choose to pay more towards a potential claim, you can lower your monthly premiums.

Contact Our Insurance Agency Today!

At Apple Auto Agency, we help residents find affordable homeowners insurance throughout the Troy, Clifton Park, Albany, Schenectady, and Rensselaer, NY areas. Whether you have homeowners insurance as a condition of your mortgage or want extra protection, there are ways you can lower your premiums. Beyond that, our insurance agency can help you shop around and find the most competitive rate. Contact us today for help finding affordable insurance quotes!