Top 3 Ways to Save Money on California Homeowners Insurance
Homeowners insurance is non-negotiable. Not only is it mandated you have this coverage if you have a mortgage, it is also just plain good financial sense to have it. If you’re like most people, your home represents the largest investment you have. Letting something happen to it without the coverage you need to be compensated for a major loss is more than just risky. It could lead to your financial ruin!
That doesn’t mean you have an unlimited budget for homeowners insurance, though. Thankfully, you don’t need one to have great coverage. There are plenty of ways to save money without sacrificing the insurance coverage you need to feel secure. A few of these include:
#1 Shop around.
When you bought your car, did you walk into the dealership and point to the first vehicle you saw? Hopefully not! You did some online research, visited several different car dealerships, looked at several options on the lot, and probably even took more than one for a test drive. In other words, you shopped around and got multiple prices. Do the same with car insurance! Getting more than one quote means you can know for sure you’re getting a great deal.
#2 Bundle your insurance policies.
You need car insurance and homeowners insurance, so why not get them both from the same carrier? This is the easiest way to save money without changing the coverage you need and want, especially if you have more than one type of insurance policy. This doesn’t have to be a home and car. It could also be a RV policy, motorcycle policy, and more.
#3 Make sure you’re getting all your possible discounts.
There are many discounts available out there, including some that may apply to you in which you are not yet taking advantage of. If your home is safer, it is less likely you will need to make a claim and so insurance carriers reward you for this. It is possible they offer discounts to homeowners who install security systems that alert the authorities when there is smoke. You may have a sprinkler system if you’re in an area prone to wildfires, which is a fantastic preventative system to install. These home improvements are a good idea for you for a variety of reasons, and may also result in discounts on a homeowners insurance policy.
Do you have further questions about how to save money? Is it now obvious you could be saving more if you make a change? Are you ready to choose a new California homeowners insurance policy? For all of these inquiries, Pronto Insurance is here for you!
We offer you many ways to contact us, including reaching out for a free online quote or calling 1-800-949-3274. You can contact customer service by chat on any page of our website during office hours. After hours, you’ll have the option to send an email.