• Post last modified:October 5, 2020
  • Post category:Homeowners Insurance

If you’re looking for some ways to lower your CT homeowners insurance, you’re in luck! You’ve come to the right place for that indeed! It’s funny too because homeowners insurance is one of those things that we pay a lot of money for, yet hope to never use. The best thing for everyone is lower home insurance rates, that we can all agree on, but how do you accomplish this? 
Well here’s some tips that hopefully will have your rates coming down and the amount of money in your wallet going up!

1. Raise your deductible

Raising your deductible is a simple but affective way to lower your monthly premiums.

2. Disaster-proof your property

If you upgrade your home to protect it from floods, earthquakes, hurricanes or tornadoes, you may save more on your coverage.  Ask your provider if you qualify for a break!

3. Security is Key

Here’s a stat for you: In 2009, burglary victims lost an estimated $4.6 billion to property damage and theft, according to the FBI. Getting a security system in your home is a plus for insurance providers and you may get a discount.

4. Review your insurance riders

Periodically review any insurance policy riders (those are the extra coverages at added cost ) and make sure you still need them, like for jewelry or furs.

5. Ask for discounts

Just ask! There may be discounts that you may not know you qualify because you simply haven’t asked! For example:

  • Multi-policy discounts
  • Senior citizen discounts
  • Nonsmoker discounts
  • Claim-free discounts
  • Marital status discounts

So maybe these will help lower your CT homeowners insurance rates to give more cash in your pocket. And who doesn’t love that?!