1. Do you have an alarm system? If not, have one installed.
Having a system that alerts the police or fire department directly can make you eligible for discounts from most insurance carriers.
2. Weatherproof your exterior.
You can weatherproof the exterior of your home to protect against high winds, excessive rain, or severe droughts to prevent some small home insurance claims. This can also include trimming your trees to make sure they don’t do damage to your home.
3. Replace any old and outdated roofing material.
You should have your roof inspected if it hasn’t been replaced in the past 10 to 15 years. You may benefit from replacing or upgrading your roof to new materials that are wind, fire and water resistant.
4. Replace old copper piping or old electric wiring that could be out-of-code.
This could prevent and large or small insurance claims that could drive your home insurance cost up for years to come.
5. Leverage new technologies.
Have the latest sensors for carbon monoxide, smoke, gas, water leaks or excessive moisture. It may qualify you for discounts and prevent future claims.
6. Go green.
If your home is Green certified by LEED, it could qualify you for discounts. This could be up to 5% more in savings.
7. Ask your agent about new home/homeowner discounts.
8. Do you live in a gated community?
You could qualify for additional discounts because of the prevention of thieves.
9. Do repairs without a claim.
If it would be a small claim, it could save you money to do the repair yourself without filing a claim.
10. Are you a non-smoker?
This could qualify you for some discounts from leading carriers.
11. Are you retired?
Some carriers offer discounts for homeowners who are retired since they are home more often during the day.
12. Protect your credit.
Some insurance agencies look at a report called the Insurance Score to price insurance shoppers. A huge part of the report is your consumer credit score. Those with better credit will usually receive better prices on insurance.
Use the same agency for your home, auto and health insurances to receive bundling discounts.
Check out what we offer at Conner Insurance Agency!