Homeowners Insurance

Save money on your homeowners insurance policy. Cut your monthly costs by finding the right policy, with the right coverage, for less.



  • Discounts vary, but can include your age (seniors, students), affiliations (professional, academic), even your non-smoking "status." Ask your agent or insurance company what they offer, and make sure...
  • Typically insurers will offer discounts - as high as 15-20% - for an installed home security system, so if you have one already be sure to let them know to cash in on the savings. Tell them when it...
  • You can save money right now by increasing the deductible (how much you have to pay if something goes wrong) on your insurance policy. This could reduce your premium by up to 25%. Better yet, if you...
  • Ask your insurance company (or each of them) if they offer a multi-line discount. This means you save when using the same insurance company for both auto and homeowner's insurance. It could be worth...

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  • Your homeowner's policy will probably advise that you have sufficient replacement coverage on your home. In fact, your mortgage company will probably insist on it, so you can't really cut back on that. This means that the insurance will cover the cost to rebuild your house if something should happen to it. However, if you don't really think [...]
  • Check your bill when it comes to see if your insurance company charges extra for paying monthly instead of all at once/twice a year. If you are not sure, try multiplying the monthly rate by 12 and see if it's more than the annual rate. If you can afford the payment in full, and unless you are getting terrific interest rates somewhere on your [...]
  • Homes in areas at high risk for floods, crime or other problems might normally have trouble being insured, but it's still worth checking with an agent. If you can score a policy you might save a lot compared to a government sponsored "high-risk" program.