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How to Lower your Homeowner’s Insurance Costs, Part 3

Number 1 – Enhance the security of your house.

Smoke detectors burglar alarms and deadbolt locks often qualify for savings of at least 5%. Build a sound sprinkler system and a fire and burglar alarm that activates at the police, fire or other monitoring station. Some companies may reduce your premium by as much as 15 or 20%.

Number 2 – Ask for Discounts.

Companies provide a variety of discounts. However, not every state sees every company give the same discount or discount lever. Retirees are less likely to be burglarized, and they notice fires earlier. People are retired also have more time for house maintenance. Some businesses my grant you a discount of up to 10% if you’re at least 55 years old and retired.

Number 3 – Keep a Clean Credit History.

Having a strong credit history might help you save money on insurance. Credit information is being used by insurers to determine the cost of home owner’s insurance premium. Pay your payments of time, don’t take out more credit than you need and keep your credit card balance as low as possible in order to maintain your credit rating.

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