If you want to save money on your home insurance, there are a number of steps you can take to make sure you're not paying over the odds. From comparing quotes to installing security measures, you can easily cut down on your rates for homeowners insurance in Antioch. Fortunately, most of these tips are easy, quick, and affordable for every homeowner.
Fix smoke alarms: Faulty electrics cause thousands of fires across the nation every year, so make sure you have smoke alarms throughout your property. Regularly test them to make sure they're working properly. Doing so could earn a discount on your insurance.
Increase your deductible: Voluntarily paying a higher deductible on any claims will usually get you a discount. However, it's worth noting that a higher excess will mean a higher out-of-pocket cost in the event of a claim.
Pay annually: Paying in monthly installments may be convenient, but it's almost always more expensive. If you can, plan to pay your insurance in one annual sum.
Remove high-risk trees: Having tall, dead, or dying trees on or near your property cause the risk of damage to skyrocket. To lower this risk, and potentially your premium, remove these trees and be choosy about which trees are planted near your home.
Install a safe: Many insurers charge extra to insure items of high-value in your home. Locking up expensive jewelry and expensive pieces in a safe could offset the extra home insurance cost.
Insulate water pipes: Frozen pipes on any building can spell disaster. When the water thaws, your property, inside and out, can suffer flooding. Insulating exposed and exterior pipes could spare you flood damage, the cost of a plumber, and a higher insurance bill.
DIY SOS: Maintaining the home is not only a requirement of your homeowners insurance policy but an essential task that needs to be done from time to time.
Take the time to safeguard your property so that you can protect your wallet, too. Visit the experts at Jack Stone Insurance Agency for home insurance in Antioch, Brentwood, and neighboring cities in California!
