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Tips for Saving Money on
Your Home Insurance

Owning a home is the achievement of an American dream. So saving money on home owners insurance and mobile home insurance is a balance between protecting your investment and making sure you get the right coverage at the best cost.

What you pay for home owners, mobile home and even renters insurance depends upon a lot of factors, including:

Your claim history
The location, age and condition of the home
Proximity of fire departments
Burglary and safety protection
Pools, stoves and other additions

Here are some tips to help you lower your home owner insurance costs when getting a home insurance quote:

Think about insurance when buying a home. Homes located in areas prone to floods, hurricanes, earthquakes and other natural disasters are usually more expensive to insure, and may often require separate insurance coverage for the particular risk -- such as flood. Rates can also be higher if the home is in a high crime area or far from a professional fire department.

Spend time getting quotes for home insurance. The time you spend shopping for property insurance can really pay off. Prices can be different from one company to another. The Insurance Information Institute recommends getting at least three price quotes on home owner insurance. Getting quotes online is a great way to shop around quickly.

Ask about discounts for combining auto and home owner insurance. You can often get discounts for combining your car insurance with your home insurance.

Think about raising your deductible. Your deductible is the amount you have to pay before your policy covers the difference in claim costs. Having a higher deductible can help lower your premium. Of course you want to make sure you will have the money to pay the deductible in the event of a claim.

Other discounts on home owner insurance. Having smoke alarms, burglar alarms, dead-bolt locks an other security devices can help you lower your premiums. Ask about other discounts as well such as non-smoking discounts and discounts for updated electrical and plumbing.

Can you get group insurance? Employers, professional organizations, associations and more may offer discounts on group home owners and property insurance if you’re eligible.

Believe it or not, your credit can matter. More and more, insurance companies are using credit ratings to help determine risk: When you buy a home, a good credit rating can mean lower insurance costs as well as lower mortgage costs.

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It will only take a few minutes.

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