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How to Save Money on Homeowners Insurance

Many people know that bundling insurance coverages with the same company can save you money or that being claims-free may give you a discount. However, there are also some less obvious credits for homeowners insurance in Peoria, AZ, that people may not know about.

Home Improvement Credits – When people update roofs, windows, or wiring, many risks will be reduced. Make your insurance company aware of home improvements to see if you get credits.

Loyalty Credits – These are discounts an insurance company may provide to long term customers.

Good Credit Score Discount – Homeowners insurance providers have found that a good credit score is directly related to lower claims incidence.

Gated Community or HOA (Homeowners associations) credits – Living in neighborhoods with increased security, like camera monitoring and 24-hour security guards, may qualify for discounts.

New Homeowner Credit – It is not available with all homeowners insurance, but if you are a first-time homeowner, it is worth asking.

Alarm Systems (monitored) – Do not forget to tell your insurance company about all monitored alarm systems.

Dry Hydrants (for rural areas without a fire hydrant) – Investment in a dry hydrant may save significant money on home insurance premiums.

Non-Smoker and Other Personal Discounts – You may be eligible for other discounts based on your occupation or employer, membership in organizations, whether you have a university degree, etc.


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