Money Saving Tips

  • Explore "package discounts" that may reduce your rates if you insure your home and cars with the same company.

  • Install dead bolt locks on all exterior doors. This will deter break-ins -- a worthy goal in itself-- and often will qualify you for a premium discount.

  • Install smoke alarms in your house. Since fire losses are one of the most expensive types of claims for insurers, most insurers will add a discount if you have smoke alarms and smoke detectors in your home.

  • Consider getting a Wind Mitigation Inspection. This assesses the preparedness of your home in resisting the effects of windstorm damage or loss. It’s optional but it can save you money – it’s the only inspection that is almost guaranteed to result in some level of insurance discount on your insurance premium.

  • Install a home security system, including fire, water, and burglar alarms. Insurance companies encourage their policyholders to adopt these measures and may offer a premium discount for having some sort of home security system in place.

  • Raise your deductible. If you can comfortably handle a larger deductible, you can save yourself significant premium costs over the years.

  • You may qualify for special discounts if you are over 50 years old, live in a gated community, etc. We will help you receive all appropriate reduced rates.

  • Be sure to review your policy annually. It is especially important to contact us if you are planning an addition or an extensive remodeling project on your home.