1) Shop around: Not all insurance companies rate all risk the same. Depending on the experience the insurer has had in a given area or the amount of exposure it could affect your rate.
2) Raise your deductibles: You know the home best if you have been there a year or more. This gives you the opportunity to save money on your insurance. You know the electrical, plumbing, roof. Take advantage of it.
3) Combine your home and auto policies together. The discount is worth the time. And you'll have a loyal insurance agent.
4) If you're looking to buy shop before you make an offer. This is especially true if you are buying income property.
5) Remember safety features. Deadbolt locks, smoke detectors, and fire extinguishers can safe you up to 5% on your homeowners insurance.
6) Senior discounts. Some companies still offer this discount. ASK your agent. If you don't ask he won't always know. Trust me it won't bother him when you ask for discounts.
7) Stay with your agent. If you agent is good and you provides good service. Once your agent knows you and feels comfortable talking with you he can find ways to save you money.
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