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Homeowners insurance discounts are great chances to make your insurance rate an affordable deal. You have to spend some time with your agent and let him or her inform you about the discounts before you sign up your policy. These discounts vary from company to another and it depend on changeable and non-changeable factors .in this article I will explain how you can benefit from homeowners insurance discounts to lower your premium.
Most of fire incidents happen at homes because of smoking. If you are a non-smoker and no one in your home smokes, a risk of fire accident in your home will be limited. Therefore the insurance company offers you a non-smoking discount. In case you bought your policy, when you were a smoker and after that you quit smoking. Take advantage of this discount and renew your policy to benefit from non-smoker discount and save your money.
No-claims discount is a good opportunity to lower your homeowners insurance premium, if you keep your record in your insurance company claims-free for a several years. You can take advantage of this discount by making repairs at your expense when you face a limited loss in your dwelling. You have to ask your agent for no-claims discount because the insurance companies don't voluntarily inform their clients about this discount.
Make your home more secure by fixing security devices like deadbolt locks, burglar alarms and burglary proof bars on your windows to make your home well-protected against theft. All homeowners insurance companies offer you as a homeowner a security discount because your property safety level is high.
You can reduce your homeowners insurance rate by reducing your home vulnerability to fire accident by installing sprinklers, smoke and fire detectors and keeping fire extinguishers within reach. Fire-proof home is the first choice of insurance company to give a safety discount
Update your home plumbing and electrical systems. Old home is prone to fire accident or water damage. If you upgrade your old home systems to meet the codes then you make yourself eligible for another discount on your homeowners insurance premium
Homeowners insurance companies provide their customers with several types of insurance policies for example: auto, health or any other type of insurance. In case you have more than one type of insurance policy beside your homeowners insurance, it's recommended to bundle all your policies and purchase multiple-policies from the same provider to be eligible for multiple insurance discount.
It's up to you to decide how many dollars you pay to make your insurance premium affordable by taking all these discounts in account.
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