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Like many homeowners, you probably want the protection of home insurance. But it can be pricey for families on a budget. Luckily for you, there are several ways to cut down on premium costs so you can get all the protection you need for a price you can afford. Here’s how:

Policy Changes

Rather than sticking with what you already have, it’s time to learn what it all means and how you can change your policy to work in your favor. First, many industry professionals recommend that you raise your deductible—the amount you pay on a claim before your coverage kicks in—to the highest value you could afford at any given time. This will lower your monthly premium, which can help prepare you for the expense in the event that you do have a file a claim.

Second, bundle your policies together with a single insurer, which makes managing your insurance easier and also can result in a discounted price. In fact, a bundle can reduce your premiums across the board by up to 15 percent. The most common bundle in American households is home, auto and life insurance.

Safety

Home insurance premiums are calculated based on the risk factor that a covered event will damage your home or belongings. The safer your home, the less you’re likely to pay to insure it. Making the initial investment in boosting your home security can have a big long-term payout in terms of insurance; not to mention, it’s a great way to protect your loved ones. Consider installing dead bolts, an alarm system, fire sprinklers, motion sensor outdoor lighting, security cameras and any other number of security devices.

Discounts

Apart from the home security discount mentioned above, there are a variety of additional home insurance discounts that you may be eligible for. For instance, discounts may be offered to seniors, loyal customers and customers who have recently made home improvements. However, these savings may not be offered to you directly. The good news is that you can call your independent agent to ask if you qualify for home insurance savings.

Get the protection you need for the price you want. Call ACF Insurance Services, Inc. at (919) 661-1100 for more information on Raleigh home insurance.

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