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Home insurance is one of those things you hate paying until you really need it: in the event of broken hose , Fire or other unexpected events on your property, you are happy to have a coverage to help costs costs. But even if it is a necessity for the most part, you do not want to pay too much for home insurance - and if you have seen a recent increase in your prices, you are not alone. In a recent survey Made by IQ insurance, 63% of Americans said their home insurance premiums have increased in the past year.

According to Matt Hagen , approved insurance agent and director of ownership operations and injuries to IQ of insurance , we can thank the high cost of repairs and an increase in demands related to extreme weather conditions for this increase. But if you have been surprised by the figures for your home insurance renewal, you may be looking for ways to reduce it - and in this case, our experts have covered you. Read the rest for their best cost reduction suggestions.

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Even if you are shy to ask for discounts from the grocery store or the department store, you should not be with regard to insurance, because these are generally some of the simplest means to save. You can already qualify for them and do not realize it.

If you live near a fire station or even a fire mouth, make your insurance company known and inquire about a discount, Melissa Zimbelman ,, Real estate agent And the International Luxury founder Realty & Property Management, said. If you are in the army, ask your current insurer if you are eligible for savings - or get a quote from the USAA, which also offers discounts for current spouses, children, brothers and sisters and parents American soldiers, she said.

Angel Conlin , insurance director at Carefree , note that you must also inform your insurance company or your agent if your home is part of an association of owners (HOA), is in a mobile park, or if it is part of a secure community, because those -I could also allow you a discount.

"The logic here is that the HOA and the parks of mobile houses generally have quality standards for the maintenance of houses. A well -managed house can have fewer exhibitions to responsibilities. In addition, these communities can have watches neighborhood that decreases break -ins, "explains Conlin. "Likewise, a house in a secure community means that it has a single entrance, a 24 -hour security patrol, passing doors to all the entries, or ranged doors 24 hours a day. Houses in these communities are more difficult to rob and, therefore, more attractive for insurance companies. "

In the event of burglary, your insurance should cover any losses in the context of your protection of personal goods. But if you take some additional measures to improve the safety of your home and potentially prevent this type of situation, you may save money.

"You can also be able to get a discount if you are taking measures to improve the safety and safety of your home," said Hagen. "The replacement of smoke detectors, sprinklers and locks on outdoor doors and windows may have an impact on how insurers receive the risks for your home. The installation of a security system can also help you to get a discount. "

Conlin adds that the largest price reductions generally occur when you install safety systems with motion sensors and cameras. She also notes that some companies will only offer discounts if you opt for a central alarm system.

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Another way to save you money, although a small amount, is to manage your online policy rather than receiving documents by mail.

"In an effort to reduce carbon footprints and the use of paper, many insurance companies (parents included) encourage police holders to go green and manage their fonts online," said Conlin. "In many cases, this is a $ 10 discount - not bad for something you may have planned to do anyway."

According to experts, the fastest way to really see a drop in your domestic insurance premium may seem counter-intuitive: increasing your deductible.

"A franchise is the amount you pay for damages or repairs before insurance pays the rest," said Hagen. "For example, if a fire causes $ 5,000 in damage to your home and you have a $ 500 deductible, you will be responsible for $ 500 repair costs while your insurance will cover $ 4,500. ""

However, it offers a word prudence before climbing for the highest option available.

"Make sure you have enough money in an emergency savings account to cover the higher deductible," warns Hagen. "If you don't, you might end up with critical repairs that you cannot afford."

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Hagen also notes the importance of identifying and making repairs to potentially lower your home insurance.

"Although this step is not likely to save you money in advance, since you will have to pay ups, it could reduce your premiums and potentially increase the value of your home over time" , he said. "Ask your insurance company which discounts could be available."

According to Kelly Rush , director of the vertical house at Lexisnexis Risk Solutions , this could include "the interest of the weather" of your home.

"In some cases, the upgrading of the construction and materials of your home to reduce the amount of damage that it could undergo in extreme weather or even a natural disaster can provide cost savings," he said.

In Florida, in particular, if you make your house and your more wind resistant roof, it is "number one way to save large dollars on owners' assurance," said Conlin.

Rush also recommends "commercial insurance companies" and the examination of different quotes and options with a trusted agent. If you are not satisfied with your current premium or if you face a strong increase this year, buy the tour to find a more competitive rate.

"Each price of the insurer risks differently," explains Hagen, noting that in the IQ in -insurance survey, the researchers found that less than half of the people (47%) planned to buy quotes, even If "it is in your best interest" to do it every year.

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While you are examining your police, you should also consider bringing together your home insurance with your car insurance (if you have a car).

"Most insurers offer discounts [when you group], and you can see savings from 10 to 15%," said Hagen. "Working with a trusted agent who sells policies from several insurance companies can help rationalize this process."

This tip can take a little more time, but it will be worth it if you can get your credit scoring a little.

"Insurers examine your credit history to help determine your premium. As you may have guessed, a good credit rating can help you reduce home insurance rates," said Conlin.

Paying your invoices on time, keeping your credit use in less than 30% of your available balance, repaying your credit card balance each month, and not opening new credit lines can all have an impact on this number, she said.

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The latest tip on this list is to install water and climate sensors. This is another project that could become a kind of investment, but it can also save you money on your insurance and save yourself from a real disaster in the future. AE0FCC31AE342FD3A1346EBB1F342FCB

"If you have already burst your pipes or get home in a flooded basement, you know how serious water lesions can be." Said Conlin.

It continues: "These sensors can alert you water damage before becoming uncontrollable, by sparing your home against expensive damage and by reducing the chances of submitting complaints. The less you have complaints, the more expensive your home insurance. ""

It is important to keep in mind that discounts and savings options will vary depending on the state and the insurance company, but whatever, insurance experts recommend reviewing your police each year.

"If you are eligible at a lower rate, you would hate having waited and lost the savings," said Zimbelman. "It will never cost you anything to get quotes. Even if you are in Mi-Politics, the new company you choose will help you cancel the old policy, get a refund from the old company and get the new configuration. "

If you plan to renew yourself, ask for a new full home insurance quote from your agent about 90 days in advance. This will also allow a "minimum coverage disturbance," said Rush.

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Best Life offers the most recent financial information of high -level experts and latest news and research, but our content is not supposed to replace professional advice. Regarding the money you spend, save or invest, always consult your financial advisor directly.