Owning your own home is one of the largest investments you will make in your lifetime, so it is essential that you protect your investment. Homeowners insurance is an expense that cannot be put off, but it can be expensive. Here are a few tips that you help you save money on your homeowner’s insurance policy in Lone Tree, CO.
Getting a Quote
When you are trying to find homeowners insurance policies in Lone Tree, CO, it is essential that you do some comparison shopping. It is typically recommended that you contact at least three insurance companies for quotes. When comparing quotes, make sure to review what each policy covers, the different deductible options and the reviews of previous as well as current policy holders through each company.
Consolidate Policies
One of the easiest ways to save money on your homeowners insurance in Lone Tree, CO is by bundling insurance policies. For example, Moszer Insurance and most other insurance companies offer a discount if you have the insurance policy for your home, car and life insurance all through the same agency.
Safety Features
Most insurance companies will offer a discount on homeowners insurance if you have certain safety features in your home. Some of the safety features include smoke detectors, fire extinguishers, sprinkler system and a burglar alarm. Make sure to contact your insurance provider if you make any improvements to your home which may increase the security of your home; for example, when installing new windows if you also install window alarms or if the windows are double paned.
Ask for Discounts
There are a number of discounts you may qualify for without even knowing it. For example, most homeowners insurance policies are discounted for those in the military, senior citizens, homeowners who are non-smokers and if you were recently married.
One of the best ways to save money on your homeowner’s insurance policy is to reduce the deductible. However, it is important to make sure that you can afford to pay the larger deductible should anything every happen to your home. Make sure to carefully review any insurance policy before buying to ensure that you have all of the coverage you need as well as ensuring that there isn’t any type of coverage you don’t need included in the policy.
