2 Ways To Save Money On Your Home Insurance Rates

One of the most important purchases that you can make when you own a house is home insurance, mostly because it can protect you and your family in so many different ways. However, just because your home insurance is so important does not mean that you should simply pay whatever price is asked of you ashome insurance rates can be a significant expense. Listed below are two ways to save money on your home insurance rates.

Install A Home Security System

One of the most basic ways to keep your home insurance rates as low as possible is to install some kind of home security system. In many cases, simply installing an off-the-shelf security system with motion sensors and lights can provide a deterrent to potential intruders and result in a lowering of your home insurance rates. This lowers your rates because the insurance company figures that if your home is less likely to be broken into, then it is also less likely that they will have to pay to repair your home or replace your lost property after a home invasion. 

If you want to maximize your home insurance discount with a security system, you can often get a larger discount by getting a professionally installed and monitored alarm system. This is because this type of security system usually offers more comprehensive protection than a standard off-the-shelf alarm system. 

Install More Resilient Windows

Another way to get your insurance company to help you out with rate discounts is to install tougher windows. This typically means installing impact-resistant windows that can help minimize damage to your home during a severe storm. Impact-resistant windows are a bit different from your standard windows because they are constructed from two panes of glass held together by an adhesive film in between them. 

The adhesive will then proceed to hold any shards or pieces of glass in the frame if a piece of debris or some other item strikes the window and shatters it. Since the shards of glass are held in the frame, there is still a barrier in place keeping more debris and water from getting into your home during a storm and causing extensive damage.

In addition, the shards of glass from a broken window will be less likely to injure someone as they will not be scattered on the floor inside the house. This will help reduce the likelihood of medical or damage claims being submitted to your insurance company, which is why the insurance company will likely lower your rates once you inform them of the new windows that have been installed on your home.

Contact an insurance agent today to discuss how you can qualify for home insurance discounts. By installing a security system and more resilient windows you can become eligible for lower home insurance rates and potentially save a significant amount of money.