Compare multiple homeowners insurance quotes and find the best insurer near you.
The easiest way to determine if savings are available is to simply call around and see if any other insurers can beat what you are currently paying. You might be surprised at the savings that are available. Even if you don’t find a better price, it doesn’t cost anything to try.
Some insurers offer longevity discounts for long-time customers, so if you have been with your current carrier for a while and are happy with them, ask them if you are eligible for such a discount. Some of these discounts can save you up to 10% on your premiums.
Many insurers offer discounts to customers who have multiple types of insurance policies with them. Check with the provider of your car insurance (or other type of insurance) and see if they will reduce your premium if you buy Utah home insurance from them.
The lot on which your house is built is not at risk for damage from wind, fire, or theft; so, be sure you are not including the value of the land under your home in the amount of coverage you need. Doing so will result in you being over-insured, and paying too much.
Home insurers are using the insured’s credit score as a determining factor for premium amounts with increasing frequency. By paying attention to your credit score and ensuring it remains high, you could manage to have a lower premium than you would otherwise.
Over time, your insurance coverage needs may change. It is a good idea to take inventory of your possessions every year or so and make sure you’re not over-insured. If you find that your coverage level is too high, reducing it to an appropriate level could save you some money.