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 insurance policy. 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 insurance from 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.