Top Tips for Saving Money on Home Insurance

Home Insurance in Houston

Just a few simple tips and tricks may lead to some substantial savings on both the purchase of your first home and your home insurance. Here are our top five ways to make savings:

1. Plan Ahead

Leaving home insurance as the last item on your to-do list means limiting your options for a good home insurance policy. It will pay in the long-run to research early, know your options, and find the right insurance for your needs. Always bear in mind:

• Your home insurance will be in relation to your dwelling value not your real estate value.
• Never feel pressured into making a decision without knowing what you’re covered for.
• Get complete coverage for the important things.
• Plan for potential increases in other insurance areas.

2. Think About Insurance History

Your insurance history is incredibly important when getting house insurance – the better established your history is, the better discounts you’ll have access to. If you don’t have an established insurance history, then try building a good history by getting renters insurance or even contacting your parent’s insurance and seeing if you can be recognized by them.

3. Know When Costs Change

Your home insurance will likely not be the same as the insurance that the current owners of the property pay. Personal information is needed to create an insurance plan, so be prepared to pay something different!

4. Get That Home Inspection

A home inspection may be a big cost, but it could save you so much more in the long-run. Spotting major problems with a property now, could prevent serious financial disasters in the future. You might also get some top tips from your inspector about bringing down insurance costs.

5. Double-Up and Get Mortgage Insurance

Not all insurance bundles are good, but it doesn’t mean that they are all bad either. Consider mortgage insurance alongside your home insurance, as the price may be substantially cheaper than if you went to a mortgage lender.

Need advice on home insurance, or want to get a head start with renter’s insurance? Give us a call today and we’ll make sure that all your insurance questions are answered!

Source: princeins

Home Insurance in Houston.

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