High home insurance premiums are not just a fact of life. If your home insurance quotes CT are higher than expected, there are several things you can do to pay less insurance, including:
- Purchasing policies from the same company
- Improving security in Your Home
- Raising Deductibles
Work with the Same Company
Every company strives to encourage customer loyalty and often rewards those who give them repeat business. You are likely to find that additional policies with the same company will be less expensive for this reason. Since you most likely need fire and flood insurance in addition to your regular policy, you can purchase multiple policies from the same insurer.
Improve Security in Your Home
Installing a state-of-the-art security alarm system not only keeps your home safe from break-ins, but can save you money on premiums. You can also get reductions in your insurance payout by making other improvements that enhance security, such as installing steel doors or bars on the windows.
A deductible is the amount of money you pay out of pocket before the insurance company pays its share. Raising this rate will lower premiums is a good way to get lower home insurance quotes CT. If you feel that you can handle paying a portion of damage if there is a problem, then it is worthwhile raising your premium.