Homeowners insurance is one of the costs of owning a home. Managing the expense of insuring your largest investment does not have to be difficult. There are four common discounts that are available to most homeowners. When you request a quote for Insurance Mechanicsburg PA agents will evaluate your eligibility for these discounts.
Security features such as burglar alarms and dead-bolt locks make a home less attractive to burglars and therefore less expensive to insure. The investment in these products and services can pay off in lower insurance premiums and a lower likelihood of a home break-in.
Some safety features can also make you eligible for a discount. Having a Sprinkler system, carbon monoxide detectors and fire extinguishers in the home make is less likely that you will suffer a major loss. With these safety features, your insurance is usually less expensive because you pose a smaller risk to the insurance company.
New homes are less expensive to insure because they have new appliances, new wiring and new HVAC equipment. If your home is older, you may be able to take advantage of some of the new construction discounts by upgrading your pipes, wiring and duct work. Replacing outdated plumbing, electricity and air ducts makes your home safer and more energy-efficient.
By combining your homeowner’s and automobile or life insurance policies, you may get a substantial discount from your insurance company. Insurance companies reward their customers who carry more than one policy with them by giving them discounts on their overall bills. Since you have to carry insurance on your home and car anyway, why not purchase them from the same company, such as Business Name and get a discount?
When you need a great deal on homeowner’s Insurance Mechanicsburg PA agents will find out if you qualify for any or all of the available discounts. Be sure to tell your agent about any improvements you have made to your home to make it safer or more secure. If you have auto insurance with a different company, consider bundling your policies with your new insurer to get a combined policy discount.
