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save money on homeowners insuranceHomeownership is an expensive investment, so finding ways to save money on homeowners insurance is key. Since our home is typically our single largest asset, it’ necessary to protect it against hazards that may result in financial losses. With homeowners insurance, you will be sure that your home is protected against many potential hazards.

While home insurance premiums can be costly, there are numerous ways through which you can save money on homeowners insurance premiums. At Brashears Insurance, we are committed to protecting you and your home by providing affordable insurance coverage. Speak with one of our licensed insurance associates today for homeowners insurance quotes.

Here are 5 ways to save money on homeowners insurance:

Speak with an insurance broker

There are numerous providers of homeowners insurance, which is why it is important to work with an independent insurance broker who can shop the best rates. Insurance brokers not only have relevant information about the market, but will shop around on your behalf. A broker, such as our associates at Brashears Insurance, will help you find competitive pricing while ensuring that you get adequate coverage. Settling on an insurer that offers affordable but quality services will help you save money.

Improve the security of your home

Some insurance companies offer discounts to homeowners who install devices such as a burglar alarm, dead-bolt locks, and smoke detector. If these systems can send alerts to the fire department, police station or a monitoring station, the possibility of financial loss resulting from hazards are significantly reduced. While the systems may cost a substantial amount of money to buy and install, you will end up saving more on your premiums.

Pay annually instead of monthly

Premium payment will include the processing fees charged by insurance companies. However, many insurers will offer customers the option of paying once a year or every six months. This will reduce the amount of money that you pay for processing the payments. If you choose to pay for your homeowners insurance annually, you can end up saving a significant amount of money every year.

Ask for other discounts

When it comes to home insurance, you can enjoy several discounts for a variety of reasons. Some insurance companies will offer discounts to members of certain organizations, households that bundle their auto and homeowners insurance as well as those who set up electronic funds transfer payments. It is important to talk to your broker to establish what discounts are offered.

Avoid making small claims

In case small damages that you can easily repair without the help of your insurance happen, you should consider meeting the costs of repairs on your own. One of the best ways to do this is to raise your deductible. Deductibles refer to the amount of money you will be required to pay towards the loss suffered before your insurer can begin to pay. The higher the deductible, the lower the possibility that you will find a claim and the lower the premiums you will pay.

In the journey of homeownership, you should enjoy the peace of mind that protecting your investment brings. Brashears Insurance will be happy to help you on this journey. Kindly contact us to learn more and purchase homeowners insurance.