fbpx

6 Ways to Lower Your Homeowner’s Insurance!

California Cullen Insurance Agency logo
  1. Multiple Policy Discounts:

If you have your auto insurance, or any other insurance policies with an insurance provider be sure to check with them about multiple policy discounts that could be available for you and could give you a discount on your homeowner’s insurance (as well as any other insurance policies you hold with them).

  1. Security System and Smoke Alarms:

If you have an older home, installing smoke alarms could possibly lower your annual premiums by 10%! Wow! Not only that, it’s safe to have in your home as well to protect you and your family. Central Monitoring (security systems) is another factor that could possibly lower your annual premiums by 5% or more (especially if it is directly tied to your local police station).

  1. Paying Off Your Mortgage

Much easier said than done! We know! BUT if insurance companies see that you completely own your home – they will assume you will take much better care of it, resulting in your premium dropping!

  1. Higher Deductibles

The higher the deductible, the lower the annual premium!

  1. Pay Your Bill in Full at the Beginning of the Billing Cycle

Save a few dollars by paying your entire premium up front at the beginning of your billing cycle rather than making monthly payments.

  1. Construction Plans? Plan Ahead!

If you’re looking to renovate, or improve your home in any way, shape, or form – be sure to plan ahead as different materials could affect your premium when getting covered. This definitely applies to upgrading your plumbing or electrical systems! It could lower your premium – which is awesome!

Leave a Comment





California Just Had The Biggest Earthquake In Decades. Why We Can’t Sell You Earthquake Insurance

California just experienced the largest magnitude earthquake in over 2 decades. A 7.1 Richter scale shaker that left ...
read more

Earthquake Survival Checklist. Be Prepared!

Following the biggest California earthquake in nearly a decade, people everywhere are asking how they can protect themselves ...
read more
buying a used car

Spot & Avoid the Scams When Buying a Used Car

Extra care is needed when buying a used car because pre-owned cars can have a history of accidents ...
read more