41 Home Insurance Savings Tips
37. Dependent Students
Dependent students living in their own apartment can be covered by their parents’ home insurance policy at no additional charge.
Those who are retired can often get an additional discount. Since they spend more time at home than somebody who works during the day and thus can prevent accidents like a fire much easier.
39. Leverage Inflation
Many insurers increase your dwelling limit every year by considering the inflation of the house rebuilding costs.
Make sure this adjustment is in line with reality and that you are not overpaying.
40. Credit Score
Most companies use your credit score when calculating home insurance premiums.
Having a good credit score can help you to get lower insurance rates.
41. Stability of Residence
Some insurers may offer a stability of residence discount if you have lived at the same dwelling for a certain number of years.