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We all love saving money, especially on essentials like homeowners insurance. Of course, protecting your home is important, but that doesn’t mean you have to overpay. From bundling policies to adding preventive safety features, there are several ways to keep your home protected while staying within budget. Here’s a look at some of the top ways to save on home insurance and ensure you get the best value for your investment.
Save with the New Home Discount
Did you know newer homes often come with lower insurance costs? Homes between zero to nine years old may qualify for a new home discount because they’re generally built with safer, more durable materials that meet modern safety standards. These newer constructions are less likely to experience damage, which translates to fewer claims and lower risk for insurance providers. If you’ve recently moved into a new or recently built home, talk to your insurance provider about this discount.
Bundle Your Policies for Maximum Home Insurance Savings
Bundling your policies, like home and auto, is one of the easiest ways to save on home insurance. Insurance companies love it when customers keep more than one policy with them, so they reward this loyalty with savings on both policies. Bundling also means you’ll work with only one insurance provider, which can make it easier to resolve claims, get support, and update your policies. If you’re looking for cheap homeowners insurance, ask about bundle discounts and keep your coverage all under one roof.
How Fire Protective Devices Help You Save on Home Insurance
Fire safety devices are a smart investment that can help you save on home insurance while reducing the risk of severe fire damage. When you install safety features like smoke detectors, fire alarms, and sprinkler systems, you’re taking proactive steps to protect your home. Insurers love to see this commitment to safety. As a result, they’ll usually reward you with a discount because they know that fire-protected homes are less likely to file a claim. It’s a win-win: peace of mind and a lower insurance premium all in one.
Save on Homeowners Insurance with Theft Protective Devices
Investing in theft prevention devices can make a big difference in how much you save on homeowners insurance. When you install features like security cameras, alarms, or motion detectors, you’re decreasing the likelihood of a burglary in your home. Insurance providers appreciate this extra layer of protection, and many offer discounts for homes equipped with these security upgrades.
Install Water Leak Detection Systems for Added Savings
If you’re looking for a way to protect both your home and your wallet, adding a water leak detection system is a smart move. Early leak detection means you can catch small issues before they turn into big, expensive problems, which allows you to save on repairs and keep a clean claims record. Plus, many insurance companies offer discounts for homes with these systems because they lower the risk of major water damage.
Stay Claim-Free for Long-Term Home Insurance Discounts
Did you know that a clean claims history can lead to substantial savings on your home insurance? If you go three years or more without filing a claim, insurers see you as a low-risk policyholder and usually reward you with a “loss-free” discount. This discount is their way of saying “thank you” to careful homeowners who only file claims when absolutely necessary. So, when you stick to preventive maintenance and reserve claims only for major incidents, you can enjoy long-term savings on your premiums.
Conclusion
From taking advantage of available discounts to investing in preventive measures like fire and theft protection, there are plenty of smart ways to save on home insurance. Take a moment to review your current policy and explore any saving opportunities you might be missing. If you’re looking for a new policy, Mercury is here to help you maximize those savings and make sure you’re getting the best value from your coverage.
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