Last week we discussed some discounts available on your automobile insurance. Today, let’s look at homeowner policy discounts.
Some Common Discounts Include:
Hip Roof Discount
Security System/Protective Device Discount (monitored security system; deadbolts, fire extinguisher, smoke alarms, sprinklers)
Multi-Policy Discount (also known as bundling or companion policy)
New Home Discount
Although these are pretty standard across the board, here is a list of Non-Standard Discounts:
Claim Free (usually 3-5 years)
Auto Pay (bank draft)
Retired (age 55 or older; also known as Golden Age)
New Roof / Impact Resistant Roof
Home Owner Association/Secured Community (with a Homeowner Association or within a gated community)
Home Sensor (detects water and/or natural gas leaks)
Some companies even offer a Non-Smoker discount!
Not sure if you’re getting all the discounts you deserve? Ask your agent to review your policy and update him/her on any changes to your home that may qualify for a discount.
Even if you’re already getting all the discounts you deserve, you can still reduce your rates by raising your deductibles and/or asking your broker/agent to requote through another company he/she represents.
Don’t have homeowner insurance yet? Give us a call and we’ll get’cha covered!
Until next time, remember…Savvy shoppers are happy homeowners.
Tommy Curtis and Staff
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him.
Address: 509 7th Street
Lake Charles, LA 70601
Office Hours: M-F 9a - 5p (CST)