Tips on Getting Your Home Insurance Lowered

Real Estate Agent with Berkshire Hathaway HomeServices | Pen Fed Realty 3107554

Tips on Getting Your Home Insurance Lowered  

1)  Did you know that having a good credit score counts?  Some companies reward customers with up to a 10% discount just for having good credit.  

2)  Age of Home counts too.  Homes built after 2002 automatically get a discount because they comply with the new Florida building codes.  

3)  If you have a central burglar or fire alram you can save more money on your policy.  

4)  There is a retiree discount available as well.  Some companies give discounts to those who are 65 or older.  

5)  Mitagation Credits.  You may have heard of this word a lot especially lately.  

What it means is that a simple roof inspection can confirm if your home qualifies for several discounts such as:    

  • Roof replacement after 2002    
  • Hurricane clips or staps    
  • Having 8d nails    
  • Hip shaped roof    
  • Secondary water resistance    
  • Hurricane shutters or hurricane proof glass  

If your home was built after 2002, then you automatically already receive this credit.  

Things that could drive your premium up are:

1)  Vicious breed of dogs on the property

2)  Swimming pool diving boards or slides

3)  Having a previous insurance claim on file, especially a liability.  

Note:  Trampolines are no longer permitted.  

When shopping for an Insurance Agent, I have a full list of them available at my website located at  

Kelly Klein, Broker Associate

Red Hot Realty


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Andrew Mooers | 207.532.6573
Northern Maine Real Estate-Aroostook County Broker

Can you say deductible? Sure you can, I knew you could. If you are not going to make a claim on a rock from a lawnmower broken window worth $300 with your $250 deductible for fear of rate increase, jack that deductible up...way up.

Sep 22, 2009 08:46 AM #1
Darla Maddalone
Bend Oregon Homes Online-Principal Broker, SFR, CSP - Bend, OR

Regarding "having a good credit score counts"...just be aware that having a high FICO score doesn't necessarily translate into a "high or top" insurance credit rating.  Insurance companies have developed some of their own criteria to add in as well and don't disclose what those items are.

Sep 22, 2009 09:04 AM #2
Betina Foreman
WJK Realty - Austin, TX
Realtor, C.N.E., with WJK REALTY

Great tips!! Our insurance carrier was going to decline us because of the pool diving board. So we took it out and made it a bench seat in the pool area. Problem solved!



Sep 22, 2009 01:07 PM #3
Amy Hahn
Pine Knoll Shores Realty - Morehead City, NC
Realtor/Broker - Crystal Coast, NC

Kelly, Great blog full of wonderful ideas and suggestions.  Thank you.

Sep 24, 2009 02:51 AM #4
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Kelly Klein

"Doing Great Things Today to Improve Tomorrow"
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