4 Ways To Lower Your Home Insurance

​In general, the home we buy is the biggest investment we make in our lives. When you buy home insurance, it protects this kind of investment in the event of calamity or accident.

But if possible, you want to save money during the process. So, here are 4 ways to lower your premium and ensure you are covered properly should you need to make a claim:

1. ​Ask Your Insurer What They Can Do For You
   There are many people who think it is ideal to look for another insurer every three years to keep updated to the latest rates. While it is a good decision so you can compare rates, do not leave the insurance company at once. Ask your insurer if they are giving you discounts that you qualify for. You may also obtain a repeat customer discount. In fact, your insurance company does not want to lose you as their client. 
   
   
2. Bundle Home Insurance With Auto Insurance
   Insurance companies can easily handle the processing and billing of an individual with multiple policies compared to many different people with one policy. Therefore, it is better to purchase your home insurance together with your auto insurance. Your insurer can offer you bundle savings for both coverage.
    
3. Notify Your Insurer Of Any Home Improvement
   In case of a claim on your home and property, your coverage has money limits. The insurance company sets those limits according to your home value. Therefore, adding a new building, a deck, patio or other home improvements can increase your property value. Make sure your insurer knows about it. 
   
   
4. Make A List Of Your Valuable
   No matter how much you value your possessions, it is hard to remember them all. So, in the event of a fire, it can be difficult for you to recall what you owned and lost. It is advisable to make a list and record all your possessions. You may do it with a video. This helps you identify the valuables you lose accurately. Also, it makes the processing of any claims faster and more efficient.

Conclusion
In addition, you can raise your deductible for your home insurance to help you save on your premium. Ask your insurance agent about it.

At Keith Sanders Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (254) 235-8185 or Click Here to request a free quote.