Homeowners insurance premiums often take a substantial bite out of a
family’s budget. You may, however, be paying too much for this coverage.
The following are some approaches you can use to reduce your homeowners
insurance costs.

•  Try to increase your deductible to the highest
  one you can afford, even if the premium savings do not appear to justify
  it. This will decrease your premium and increase the likelihood that
  your loss history will be excellent, since minor losses will be paid by
  you and not your insurance company. A loss-free record over time saves
  premium dollars. For example, if you currently have a $250 deductible on
  your homeowners policy, consider increasing it to $500 or $1,000.
• Consider purchasing a monitored burglar alarm. Alarms have proven
  successful in reducing burglary rates. In addition, most insurers
  provide premium discounts to consumers with these alarms, some as high
  as 20 percent.
• Maintain your home in optimum condition. If a repair
  is needed, perform it as soon as possible. For example, loose or
  missing roof shingles should be repaired or replaced immediately. A home
  in excellent condition is much less likely to experience a loss.
• Buy your home insurance and your auto insurance from the same company. Discounts normally apply when you do.

If
you still have questions or concerns please feel free to contact our
representatives at C.H. Edwards and we would be more than happy to help.