Finding The Right Homeowners Insurance Policy

Man with touchscreen house iconHome Insurance Tips

Investing in the right homeowners insurance policy is one of the most important steps in protecting your home and belongings. With all the different coverage limits and options available, it can be difficult to make sure that you invest in the right policy for your needs. Keep these tips in mind to ensure that you find the policy that will best suit your lifestyle and the right price.

  • Install and maintain smoke alarms and security systems – having a burglar alarm that is connected to your local police station will not only help to keep you safe, but it can also lower your premiums by up to 5 percent. Having properly working smoke alarms installed throughout your house can save your life in case of a fire and help you lower your home insurance costs.
  • Increase your deductible – just like your other insurance policies, the higher your deductible is, the less you will have to pay for your premiums. Keep in mind that having a higher premium will mean that small issues, such as a leaky pipe, will typically have to be paid out of your own pocket.
  • Pay off your mortgage – while this is much easier said than done, if you own your house outright, your insurance premiums will most likely drop. Since you are the sole owner of the house, your insurance company assumes that you will take the right steps to take proper care of it.
  • Check for discounts – if you combine your home insurance policy with other polices, such as your auto insurance, you may be able to qualify for a multi-policy discount that can help you save hundreds of dollars.

When looking for the perfect homeowners insurance policy at the right price, contact the insurance professionals at Desert Empire Insurance in Palm Desert, California.