Buying homeowners insurance is one of the most important financial decisions you will make as a homeowner. Unfortunately, policies are not created equal, and many people find themselves paying too much for their coverage, or they may not have enough coverage at all. The key to being a savvy homeowner is understanding the policy you’re buying and what you can do to ensure that your premiums are low.
Install Deadbolt Locks
One smart way to save money on your policy is to protect your property as much as possible. You can do this by installing deadbolt locks on all exterior doors, making it harder for burglars to break into your home. In addition, deadbolt locks are more secure and will usually lower your premiums because they provide additional security for you and your home.
Choose the Right Home Insurance Provider
One of the first steps to being a savvy homeowner is choosing which provider to work with. There are several options available, so it’s essential that you do your research and find out which company best suits your needs. For help finding the right policy for you and your family, check out The Hartford and what they can provide for your homeowners insurance. They have plenty of options to suit your needs, and if you’re still unsure, you can speak to an agent to get more information so that you can make a more informed decision for your homeowner’s insurance.
Put In a Carbon Monoxide Detector
Carbon monoxide is a colorless, odorless gas that can build up in your home and is hazardous to your health. One way to help keep your family safe and reduce your insurance premiums is to put in a carbon monoxide detector on each floor of your home. CO detectors are inexpensive devices that are easy to install and maintain, and they will alert you if there is any carbon monoxide present in your home.
Add Storm Shutters
Adding storm shutters is a smart way to save money on your homeowner’s insurance. When installed, you can make significant savings on your homeowner’s insurance policy. Storm shutters also offer protection against hurricanes and other natural disasters that often cause damage to homes in the United States. If you live in an area with frequent storms, adding storm shutters is one of the best things you can do to lower your premiums while increasing your peace of mind.
Consider Security Cameras
Another way to reduce your homeowner’s insurance premiums is by installing security cameras.
Security camera footage can help you collect evidence if your home is burglarized or vandalized. This can be helpful if you need compensation for damages and have a more solid case against the person who caused the damage. In many instances, this footage can be used to recover stolen property, identify suspects, and file an insurance claim.
Homeowner’s insurance is important and should be taken seriously. However, it’s not as simple as just getting any policy and hoping for the best. You need to understand what coverage you’re paying for and what additional features you may want to add to your home to protect yourself better and save money on your premiums.