Controlling household expenses is something we all try to do.  We want to help you reduce your home insurance costs when possible.  Here are some points to consider: 

Smoke alarms. Check your policy or contact us to see that you are receiving a discount.  If you don't have alarms, get them.  Not just for the discount, but for your family's safety. 

Higher deductibles. The standard deductible today is $250.  If yours is lower, you are paying an added charge.  If you choose a $500 or higher deductible, more savings are available. 

Delete unneeded coverage. Review your policy.  There may be jewelry listed that has since been sold, endorsements for businesses in the home that are no longer in operation or other unnecessary coverages. 

Central station alarms. Fire and burglary alarm systems that automatically dial a central station can provide both good security and a significant premium savings. 

Combine home and auto insurance in one company. Companies often offer a discount on the home and auto insurance or both when carried by the same insurer. 

In addition to these money-saving tips, some companies offer discounts if you have fire extinguishers, deadbolt locks or a loss-free record.  Check with us to see if your plan offers any of these options. 

Remember, under insuring is not a recommended way to save premium as it can lead to serious problems settling a claim. Whether it's a question about cost or coverage, we're always willing to review any insurance concerns with you.  Please call us.

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