Simple Ways To Reduce Your Denver Homeowners Insurance Premiums

Simple Ways To Reduce Your Denver Homeowners Insurance Premiums

No one likes paying more than they need to for home insurance, but it’s a necessary evil for most of us. This doesn’t mean you have to pay through the nose for it though – try these easy tips for better home insurance and see how much you could reduce your premiums by.

What Is Homeowners Insurance All About?

Homeowners insurance has two main parts or coverage, property, and liability.

How To Get The Best Combination Of Coverage, Price, and Service

Let Us Shop For You

By comparing prices from several insurance companies, you’ll probably be able to reduce your premiums by a substantial amount. This may seem obvious, but research has shown that a surprisingly large proportion of people either just renew their current policy, or get only one or two quotes. We will compare dozens of policies for you, making this one of the easiest ways to reduce your insurance bill.

Combine your buildings and personal property coverage

Many insurers will give you a discount if you take out both types of home insurance with them, and this usually works out cheaper than getting the two kinds of policies from different companies.

Pay upfront

Although most insurers let you pay your premium in monthly installments, many will charge interest for this. If you can afford to pay a full year’s premium in advance, then this will work out cheaper in the long run.

Don’t make a claim for small amounts

Making many small claims can increase your insurance costs, as your insurer may see you as a greater risk and increase your premiums. You will also lose any no claims discount your policy has. Of course, you’re entitled to claim for anything your policy covers, but ask yourself if making a small claim is really worth the hassle and possible future costs.

Increase your home security

Beefing up your home security with better door locks, window locks, outdoor lighting, and alarm systems can all result in lower premiums. Ask your insurer what you could do to get extra discounts.

Reduce your coverage

Many policies feature benefits that you might not need, such as cover for personal possessions while traveling or ‘free’ legal advice. Look through your policy and see what parts of it you need – by cutting your cover down to a size you may be able to reduce your premium.

At DCInsurers – Mountain, we know the importance of family, which is why we dedicate ourselves to finding the best and most comprehensive Denver Personal Insurance policies to protect your family and loved ones at the most competitive pricing available. Our clients are like our family, which is why we want to ensure that you and your family are protected in every way.