13 Overlooked Insurance Discounts

Written By Charlotte Insurance on February 20, 2017. It has 0 comments.

If you’re willing to make some changes around your home and in your life, you can easily qualify for discounts that will save you money on your Charlotte homeowner’s insurancepolicy. Take a look at these often overlooked ways to reduce your rates and qualify for discounts.

HOME IMPROVEMENTS

Fixing up your home and making structural improvements can have a major impact on your insurance premiums.

  • Install a high-impact roof to bring it up to current building codes.
  • Rewire your home, especially in older homes, to reduce the chance of fire.
  • Update your plumbing – new pipes usually don’t leak.
  • Upgrade your HVAC. This isn’t just good for your energy costs. You also have less chance of mold, mildew, and other damage with a well functioning system.

IMPROVED SAFETY

Making your home safe or choosing to live in a safer neighborhood will definitely lower your home insurance costs.

  • Install high tech alarm systems
  • Add carbon monoxide detectors as well as smoke alarms.
  • Install sensors that can detect gas leaks and water leaks.
  • Stop smoking. Forgotten cigarettes and burning ashes are the precursors to home fires.
  • Choose a gated community. Insurance companies love gated communities because your chances of theft and vandalism go down with this layer of security.
  • Join the homeowner’s association (HOA). Like a gate, HOAs provide a measure of security plus they often have basic upkeep and maintenance requirements.

AGE, INSURANCE, AND OTHER DISCOUNTS

There are a few small things that can go a long way to saving you plenty of money on your homeowners insurance.

  • Bundle your insurance together. If you purchase your home, auto, and/or life insurancefrom the same company, you’ll get a discount.
  • Enjoy getting older. Around age 55, you may qualify for a discount on your insurance for your primary home, especially if you’ve lived there for many years.
  • Only file claims if you have to. The longer you can go without filing a claim, the more of a discount you’ll receive.

If you’ve taken any of these steps recently, make sure your insurance agent knows so you can get the discounts you’re entitled to. Give us a call at Charlotte Insurance. We’ll be happy to go over your policy, find discounts you qualify for, and get you a better price for your home insurance.

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