Wondering how you can save money on your homeowner’s insurance policy? According to WellsFargo.com, there are ten things you can do to lower your premiums.

- Request multiple home insurance quotes. These days, with free home insurance quotes and online forms, it takes a lot less time to shop around. Comparing rates can help you save.
- Tell you insurer about any safety features in your home. Installing smoke detectors, getting a security system, and having kitchen fire extinguishers can all help reduce your home insurance premiums.
- Consider the replacement value of our home. This isn’t the same as you home’s real estate value. Your real estate value includes the home and the land it’s on. Your home’s replacement value does not include the land or lot.
- Know the facts about your home’s construction, since this can affect your insurance premiums. Is your home made of brick or wood? Does it have a good drainage system?
- Protect your home from natural disasters. If you live in an area with windstorms or hurricanes, install storm shutters, reinforced roofs, and other weather-resistant features.
- Increase your policy’s deductible. You can save as much as 25% per year by increasing the deductible on your homeowner’s insurance.
- Don’t pay on an installment plan. Many insurers offer monthly payments, but you can save a lot by paying for your insurance in a lump sum.
- Check your credit report. If you have poor credit, you may not be getting a good deal on your insurance. Check your credit report for errors, and work to clean up your credit history.
- Ask your homeowner’s insurance company about discounts that might apply to you. Discount home insurance can save you a lot of money, and you may be eligible for a lower rate.
- Use a single insurance carrier for multiple policies. As you shop for a new home insurance policy, consider getting a free auto insurance quote. You can also save on boat insurance, life insurance, health insurance, motorcycle insurance, and other policies.
As you shop for a better deal on insurance, it helps to have all of your information handy. Gather up the facts about your home and its value, and make sure you note any claims you may have had in the last few years.
Kate Miller-Wilson is a professional freelance writer, who specializes in web content, editing, and technical writing. She also writes articles about Dallas exotic car dream tours.








