Raise your deductible.If you can afford to pay more toward a loss that occurs, your premiums will be lower.
Buy your homeowners and auto policies from the same company.Youll usually qualify for a discount. But make sure that the savings really yields the lowest price.
Make your home less susceptible to damage.Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area.
Keep your home safer. Install smoke detectors, burglar alarms, and dead-bolt locks.All of these will usually qualify for a discount.
Be sure you insure your house for the correct amount.Remember, youre covering replacement cost, not market value.
Ask about other discounts.For example, retirees who are home more than working people may qualify for a discount on theft insurance.
Stay with the same insurer.Especially in todays tight insurance market, your current vendor is more likely to give you a good price.
See if you belong to any groupsassociations, alumni groupsthat offer lower insurance rates.
Review your policy limits and the value of your home and possessions annually.Some items depreciate and may not need as much coverage.
See if theres a government-backed insurance plan.In some high-risk areas, such as the coasts, federal or state governments may back plans to lower rates. Ask your agent.
Questions about Lendem Financial mortgage loan options? Why you should think about using a mortgage broker vs a bank? Using a Mortgage Loan Officer that has access to all sources of lending institutiuons helps people get the best loan for their situation and offers all options on the market vs the programs at one bank. Call Todd Rubick of Lendem Financial and tell him why the bank said no... If your tax returns do not show your true income, or credit is less than perfect... Full service all source lending strategies will be offered for those that need them.