Ways to Lower Your Home Insurance Costs

The price you pay for home insurance in San Antonio, TX, can vary depending on different factors.

Raise Your Deductible: A deductible is what you pay toward a loss before the insurance company pays the claim. The higher the deductible, the more money you save on your premiums.

Don’t Confuse Rebuilding Costs with What You Paid for the Home: The land under the home isn’t at risk from windstorms, theft, or fire so you don’t want to include its value when determining how much insurance to get. If you do then you will pay higher premiums.

Bundle Your Policies: You may be able to get a discount in San Antonio, TX, from your insurance company if you bundle your home and auto policies.

Make the Home More Disaster-Resistant: Find out from an agent at Access Insurance Services what you can do to make your home more resistant to natural disasters. You may be able to save money by getting stronger roofing materials or modernizing your electrical, heating, and plumbing systems.

Improve Home Security: You can typically get discounts if you install smoke detectors, deadbolt locks, or alarms. Before you buy a home security system, find out what kind of device your insurer recommends and how much it can save on your premiums.

Have Good Credit: Establishing a good credit history can help with your insurance costs. To work on your credit score you should pay bills on time, keep balances on credit cards as low as possible, and don’t get more credit than you need.

Stay with the Same Insurance Company: If you have kept coverage with the same insurer for years, you may get a discount.

Review Your Policy Yearly: You want a policy to cover additions or major purchases. However, you don’t want to have more coverage than you need. If your belongings aren’t worth what you paid anymore then you may need to reduce or cancel your rider or floater.

Contact Access Insurance Services to get a quote on home insurance.