Tips for Reducing Your Homeowners Insurance

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There are a variety of ways to help save on the cost of homeownership such as having energy efficient appliances, keeping up with routine maintenance, and refinancing your home mortgage. Another area where you might be able to reduce your costs is with your homeowners insurance. At Farmers, we offer a variety of discounts on your home insurance. Here are a few ways you might be able to save.

Notify Your Agent About Major Home Renovations. If you’ve just completed a remodel of your home, contact your agent to discuss those changes. By providing your agent with the most accurate dwelling features, this will help to keep your rates stable and help make the claims process go smooth. Providing your agent with your contractors invoices will also help to get a sense of how much it will cost to repair or rebuild your home in the event of a claim. If you’ve replaced your roof, plumbing, heating, or electrical systems you may be eligible for a home renovation discount.

Keep Up With Routine Maintenance. This not only keeps your home in great shape, it also helps you to avoid having to file a claim on your home insurance. If you are concerned about home repairs, you may consider purchasing a home warranty to cover your major appliances and systems.

Let Your Agent Know What You Do For A Living. At Farmers we provide special discounts for select professional groups, which can save you anywhere from 10%-15% off your home insurance. Some examples include teachers & college professors,  CPA’s, First Responders (Police Officers and Fire Fighters), Doctors, Nurses, Dentists, Scientists, and Engineers.

Bundle Your Insurance. The more policies you have with Farmers, the more you will save. We offer discounts for having your auto insurance (25%), earthquake (7%), personal umbrella (5%), life insurance (3%). You can also save on your auto, life and specialty lines just for having your home insured with us.

To learn more about home insurance and all of our other product offerings, give us a call for a free consultation today.

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