Replacing your roof will get you a discount. Staying with the same insurer for five, ten or fifteen years will get you a discount. But what if you're looking for easy discounts right now? Here are a few discounts you may be able to grab right now:
1. Keep Your Insurer Updated On Home Improvements
Any time you make a major repair or do some serious maintenance, let your insurer know. This is one of those instances where you may already qualify for some discounts. And even if you don't, the only expense is going to be money that you would have eventually had to spend on home fixes anyway. New wiring and plumbing are the big ones.
2. Quit Smoking
If you've been looking for a good reason to quit, here it is: Many home insurance companies offer discounts for non-smokers. Smoking is a major fire hazard, and home insurers hate fire hazards. So simply kicking the habit could save you a lot of money on your premiums.
3. Invest In Monitored Alarm Systems
Monitored burglar and fire alarms make your home safer, bringing an instant emergency response to any trouble. And anything that makes your home safer is going to bring your insurance premiums down. These monitored systems aren't too pricey and can be installed in minutes.
4. Take Advantage Of Bundle Discounts
Generally, the more policies you buy from a single insurance company, the less you're going to be paying on each one. This isn't always the case, and if you have an amazing deal on your current car insurance policy, then you might want to stick with it. But it's always worth asking your home insurance provider about their bundle offers.
5. Make An Annual Payment
If you can afford to pay a year's premiums upfront, most insurance companies will offer a discount for annual payment. Plus, it's less stress for you, and one less bill to worry about each month. If you can't afford to pay your premiums upfront, insurers may offer an auto-payment discount. Auto-payment can also be helpful in dodging late fees.
The best way to find out what insurance discounts you might qualify for: Contact your Universal Insurance Group agent. Every insurer offers a different set of discounts, so you won't know until you ask.