Homeowners Insurance: 5 Things That Can Raise or Lower Your Home Insurance Rates

A dirty word in the lexicon of many people today is insurance of any kind, because whether you want it or not, it is a necessity.  Whether it’s health insurance, vehicle insurance, or even homeowner’s insurance, you should always make sure you are protected against liability and can recover as quickly as possible when unfortunate events occur (and in many cases, insurance coverage is also required by law).  You may view insurance as a “bad” thing when it’s time to select a policy and pay your premiums, but you’ll be glad you have it when it comes time to use it.

House Rubble

Source: Wikimedia

For those who own residential property, lowering your homeowner’s insurance rates can be easier than you think when you keep these five things in mind:

  1. Avoid purchasing a home in an area that is susceptible to natural disasters like fires, floods, earthquakes, mudslides, or avalanches.
  2. Make sure your home has updated plumbing.  Older plumbing can be fabricated from clay pipes rather than a more durable product like PVC, which means it is more susceptible to damage from wet conditions or the intrusion of tree roots.
  3. Is your home close to a fire department?  Studies show that homes within five miles of a fire department generally have insurance rates that can be 20% to 30% less expensive than homes that are farther away.
  4. Does your house have a security system or burglar deterrent measures?  From motion activated flood lights to perimeter alarms, a security system can definitely help you with lowering your homeowner’s insurance rates.
  5. If your home has “temptations” that attract neighborhood children, like a swimming pool, are those temptations adequately secured against uninvited guests?

Contact our agents at Schumacher Insurance Group today to find out more about lowering your homeowner’s insurance rates.


About Schumacher Insurance Agency

Why trust us? What do we do different than every other insurance agency? Consider this an invitation to get to know us. We believe we are an exceptional team of protection specialists that work hard to do things the right way, to educate our clients on insurance, and make the experience effortless. We are excited to introduce a new insurance experience for our customers. We encourage you to speak with our team who can show you how different we are… from text messaging services for late payments to educational insurance concepts on Facebook. We will prove our innovative approaches to obtain the proper coverage’s for you, your family, your business. Insurance is likely not the most interesting affair for everyone, but it is most certainly ours! Yes, we are insurance geeks!

Posted on April 14, 2014, in Agency, Uncategorized and tagged , , , , . Bookmark the permalink. Leave a comment.

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