Ways to Save!

Know a good locksmith, alarm company, or have good credit - It all helps to save you money on homeowners insurance.

If your home is equipped with an alarm system, smoke detectors and deadbolt locks, you could save money. Those items help make your home safer and more secure. If you have an in-ground pool or a trampoline, you might pay higher premiums. You can also expect to pay more if you are located in a higher risk area, such as a coastline. Your insurance company will also want to know if you plan to use the home for any business purposes, of if you plan to rent all or part of the house, both of which can increase liability.

Armed with all this information, insurance companies can determine how much to charge you for insurance, sometimes in a matter of minutes.

Your Credit Score Matters!

Some insurance companies might charge you higher premiums, if you have problems with your credit history. Insurance companies say experience has shown people with financial problems pose a greater risk.

An insurance company uses credit information, together with your insurance history, to predict whether you are more or less likely to file a homeowners claim. This allows them to provide insurance to more people and to offer it at a lower cost to those who qualify.

Keep your credit clean and save! Almost all insurance companies check credit upon application.

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