As a homeowner, you probably already know the importance of having insurance on your home. However, that doesn't stop many people just like you from forgoing having insurance in the first place. Whether it be because they don't understand the policies or they simply cannot afford the premiums, homeowners insurance isn't something you want to do without. Make sure to ask your insurance agent about some of the following credits that might be available to you to help you save on the cost of your policy.
Non-smoking credit.
If you don't smoke, there is a good chance the insurance company will give you a credit on your policy. Non-smokers are less likely to file a claim for their home burning down than someone who smokes. This means less risk for the insurance carrier. Because of that, they often reward the homeowner to show a good faith on their part for the individual taking the initiative not to smoke in their home.
Age credit.
Depending on how old you are, there is a chance that you might be able to qualify for a credit on your insurance policy. Older individuals tend to be more mature and responsible. They aren't going to go out and have a bunch of parties where people are out dancing, drinking, smoking and generally whooping it up. They are going to be more responsible and take care of their home and their belongings. Along with that maturity comes a discount on your insurance policy. Every carrier is different so the amount of discount you are going to receive will vary accordingly.
Sensors and security systems credit.
Many people end up installing a security system around their home to make sure no one stands a chance at trying to break into the home and steal their possessions. If your home has one of these security systems installed, there is a good chance that your insurance carrier is going to give you a discount on your insurance policy. They figure that you are doing your part to minimize the chances of someone being able to get away without being caught, so they might as well reward your efforts with a savings on your insurance policy.
While these are only a few of the discounts available to you, there are countless others out there as well that you might be eligible to receive. Make sure to ask your insurance agent today. Contact an insurance agent near you for more information.
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