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Homeowners insurance is a huge decision.  Here are 3 ways to save on home insurance rates.

Picking homeowners insurance can be overwhelming. We provide you with practical tools and insight so you know what to expect.

BUY A HOME IN A SAFE AREA

Obviously if you are not planning on moving soon, this idea will not help. But if you are, take a look at factors like flood plain maps or crime rates before deciding on buying a home. You can often find a home in a neighborhood less than a mile away that has a lower overall risk. Just a few blocks can make a big difference on your insurance costs.

IMPROVE SAFETY AND FOUNDATION OF YOUR HOME

Adding features like smoke alarms, flame retardant shingles and storm shutters can reduce the likelihood of a small fire turning into a big loss. Likewise, upgrades to electrical and plumbing systems prevent future damage from electrical fires and burst pipes. All of these improvements help to lower premiums, so be sure to notify your insurance carrier of such improvements.

PURCHASE AN INSURANCE PACKAGE

Sometimes called a multi-line policy, insurance clients who bundle their coverage save themselves and their carrier time and effort. If you have an auto policy with one insurer and a home policy with a different insurer, ask how much it would be to add a home insurance policy to your auto policy, or vice versa. Usually, the insurer will be glad to have the extra business and give discounts to clients who opt to take out multiple policies.