Need help?
We’re here to help!

Our licensed insurance agents are available to answer all your questions.
Just call, email or text us.

561 288 9700
Download our app, and Nsure!
Home Insurance

5 Ways to Save Money on Home Insurance

When you own a home, homeowners insurance is a necessity. You never know what could happen to your home, so it’s important to make sure you’re covered in case something does. Homeowners insurance is notoriously expensive, but there are several ways you can save money on your insurance premium. Here are a few methods we recommend: 


Raise Your Deductible

The best case scenario with insurance is never having to use it. By raising your deductible, you will need to pay more money in the event something goes wrong. However, if you don’t end up having to pay the deductible, you’ll save on your monthly or six-month premium. Switching from a $1,000 to a $2,500 deductible can save you an average of 12% a year on home insurance. Just make sure you have the amount for the higher deductible saved up just in case.


Avoid Small Claims

You may be tempted to use your home insurance for anything and everything. That’s why you have it, right? In some cases, a repair may not be affordable without using your home insurance. However, smaller claims can often be paid for out of pocket. Over time, you may be able to save more money on home insurance by showing that you don’t make “frivolous” claims. Any claim you make can impact your insurance rate, so keep your claims to major events like wind damage and water damage. 


Build Your Credit Score

Insurance companies in some states use credit scores as a factor in determining insurance rates. Working on your credit can benefit you financially in many ways, from insurance premiums to car and mortgage payments. The best way to start improving your credit score is through free credit tracking. The more you make on-time payments, pay off monthly balances and keep credit accounts open, the better your credit score will be.


Bundle Your Home and Auto Insurance

Most homeowners can save between 5% and 15% by bundling home and auto insurance. Along with saving money, using home and auto insurance with the same company saves you time and gives you one less bill to worry about each month. In the event that you need to make a claim, having one insurance company to call will make it easier to get connected with someone who can help. 


Shop Around

Even if you loved your insurance policy and rate at one point, remember that you’re not married to it. Every six months to a year, take some time to shop around and compare rates from different companies. Look into discounts you may have missed with your own insurance company, too. If you take no action, insurance companies typically raise your rates little by little each cycle. 


Home insurance can be pricey, but there are several ways to save. If you need a new home insurance policy, the Nsure app can help you compare policies from 50 top-rated insurers in less than five minutes. Be sure with Nsure.

See how much you can save when you Nsure!
See how much you can save with Nsure!
home quotes
Compare quotes
auto quotes
Compare quotes
bundle quotes
Compare quotes