WEDNESDAY, NOVEMBER 7, 2012
 As a homeowner, no doubt you are always on the lookout for complete protection for your residence at the most affordable price. Listed below are some easy ways to lessen the cost of your Houston home insurance.
1. Look for discounts
Some common discounts offered by insurance companies are
- Senior’s discount for senior citizens
- Non-smoker’s discount when no-one in the home smokes
- Discounted price when auto insurance is combined with home insurance and purchased from the same carrier
Discounts are also offered when safety features such as fire alarms, smoke alarms, fire extinguishers and sprinkler systems are installed and security features such as a home security system, window locks, and dead bolt locks on exterior doors are fitted.
2. Work with an independent insurance agent
Independent insurance brokers may sell products offered by many companies, which in effect will benefit you due to the number of products and services they can evaluate on your behalf. What’s more, because they work with multiple insurance companies, they have a substantial network of contacts at their disposal and their industry knowledge tends to be extensive.
It’s always a concern for you as the client that you may receive biased reviews or opinions from a particular insurance company. Most insurance companies pay independent brokers the same level of commission which in turn means there is little to no financial advantage the broker will gain from siding with one company’s policies over another.
3. Increase the deductible
A higher deductible inevitably relates to a lower monthly premium. It’s possible to reduce the monthly premium by as much as 35% if you opt for an increased deductible.
4. Buy only as much as you require
Most people make the mistake of buying enough home insurance to cover the ground their residence is situated on. The appraised value of your home also includes the value of acreage. When purchasing insurance, only get coverage for rebuilding your home in addition to replacing all your belongings. If you are unsure of the value of your home, a reputable local builder or real estate professional can help. Further, a comprehensive household inventory will put a price on your personal belongings.
In conclusion, simply by investing some time working with an independent insurance agent in order to obtain all the discounts on offer to you, it’s possible to save hundreds of dollars every year on the cost of housing insurance. Give us a call today at Henrich Insurance Group, and we’ll be sure to find the very best deal to suit your needs.
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