• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
  • Home
  • BLOG
  • Meet Sarah
  • Shop With Me
    • My Amazon Store
    • LIKEtoKNOW.it
    • Buy Plexus (the pink drink!))
    • Buy Arbonne
  • Contact
  • Nav Social Menu

    • Facebook
    • Instagram
    • Pinterest
    • Twitter
    • YouTube
The Fashionable Housewife

The Fashionable Housewife

Because Moms Should Look Good, Too!

  • Fashion
    • Today’s Outfit
    • Outfit Ideas
    • Spring Fashion
    • Summer Fashion
    • Fall Fashion
    • Winter Fashion
  • Beauty
    • Hair
    • Skin Care
    • Makeup
    • Nail Polish
    • Organic or Eco-Friendly
    • Hair Removal
    • Sun Protection
    • Cosmetic Surgery
  • Health
    • Fitness
    • Weight Loss
    • Pregnancy
    • Vitamins & Supplements
    • About The Dukan Diet
    • Review of i-Lipo Laser Liposuction Treatment
  • Home Life
    • Home Improvement
    • Home Decor
    • Outdoors
    • DIY & Crafts
    • Homesteading
    • Travel
    • Finances
  • Marriage
  • Faith
  • Parenting
    • Baby Gear
    • Babywearing
    • Breastfeeding
    • Cloth Diapers & Diapering
    • Pregnancy
    • Natural Birth
    • Story Land in Glen, NH
  • Homeschooling
  • Recipes
    • Food & Snacks
    • Baby Food
    • Gluten Free
    • Keto
    • Coffee
    • Cocktails
  • Shop My Looks

6 Ways To Save Money On Your Homeowner’s Insurance

Modified on July 18, 2022 at 5:01 PM

Sharing is caring!

0 shares
  • Share
  • Tweet

The cost of homeowner’s insurance may vary depending on your location, provider, property size, and other factors. These could make your premiums higher or lower. Hence, you might feel that your homeowner’s insurance is costly and may be looking for ways to lower your premiums. 

In truth, some factors affecting its prices, like your home’s size or location, may be out of your control. However, there are things you could do to reduce your payments, such as the following: 

Compare The Prices Of Different Providers 

If you’d like to pay cheaper homeowner’s insurance premiums, start by looking for an affordable provider. Most companies charge differently, so before settling on one firm, do your research and make a comparison. 

Start by identifying at least three companies of your choice. Check out their websites to see what their charges are. If you find an affordable firm or those with better offers like https://openinsurance.com/ or others, consider choosing them. You could also call different companies and ask them to send their quotes. Compare their prices and pick the cheaper insurer. 

If you aren’t satisfied with the rates from your research, check out how various companies fare on reliable customer review websites. Alternatively, ask a friend or relative to recommend an insurer with lower rates. 

Bundle Your Policies

Another easy strategy to reduce your homeowner’s insurance is by bundling your policies. For instance, many firms that sell homeowner’s insurance might also offer car insurance and an umbrella policy. You could even get a discount if you buy two or more policies from such firms.  

However, you must first confirm that you’re getting the best combined price. To do so, check out how much you could pay for the policies you’d like separately. If the bundled rate is better, go for it.

Make Your Property Safer

You could also get a good deal on your homeowner’s insurance by making your property safer. Begin by securing your home from theft, fire, or natural disasters. For instance, you can install surveillance cameras, an alarm system, motion sensor lighting, or a smoke detector. You could also flood-proof your home using reliable means like installing a sump pump if you live in a region prone to this natural disaster. If you stay in a location that experiences storms often, you can secure your home by reinforcing your roof and buying storm shutters. 

Protecting your property will lower the risk of filing a claim in the future. As a result, your insurer may reduce your homeowner’s insurance premiums. 

Maintain A Good Credit Score

Maintaining a good credit score could also help you lower your premiums. In most cases, insurers may use a credit-based insurance score to determine a person’s payment rates. You could pay more for your premiums if you’ve got a low score. However, the rates may be much more affordable with a higher credit score. Your premiums may also stay low if your score remains high.

So, if you haven’t bought a homeowner’s insurance policy yet, you have a chance to lower the rates you may be charged if you finally decide to do so. What you must do is improve your credit score first. You could do so by paying your bills on time, using secured credit cards, and keeping your credit card balances low. After attaining a good score, maintain it to keep your premiums down. 

Ask Your Insurer About The Discounts Available

Some insurers may offer discounts to clients who are nonsmokers, retired, new property owners, or those who send their premiums through automatic bank payments. Different companies may also offer unique discounts to their clients. Therefore, it’s essential to ask if you qualify for any. 

You may also keep checking if you’re eligible for any payment deductions if you stick with your insurer for long or have no claims for some years. If situations in your life change, like if you retire or quit smoking, you should also inquire if you qualify for any discounts.

Avoid Making Small Claims 

It’s also advisable to avoid making small claims if you’d like to reduce your homeowner’s insurance rates. These may be tempting to do because some insurers can cover minor repairs. However, paying for the restorations out of your pocket may be best. 

In most cases, insurers offer discounts to clients who have not made any claims for a certain number of years. So, if you make small claims, you might miss out on such deals, and your insurance company may also raise your premium rates. 

Conclusion

If your homeowner’s insurance premiums seem pretty high, there are some things you can do to lower them and save more money. Although some factors affecting its price may be out of your control, this article offers six measures to consider to reduce your insurance rates. 

As advised, you should first compare the prices of different companies to find an affordable provider and consider bundling your policies. After that, make your property more secure, maintain a good credit score, ask your insurer about other discounts, and avoid making small claims. 

Related posts:

Should You Sell or Refinance Your Home?Should You Sell or Refinance Your Home? Smart Homeowner's Tips for How To Care For And Store Electric Lawn MowersSmart Homeowner’s Tips for How To Care For And Store Electric Lawn Mowers 5 Tips to Help You Sell Your Home Quick5 Tips to Help You Sell Your Home Quick

Posted By The Fashionable Housewife
on July 18, 2022 at 5:01 PM
Filed Under: Finances, Home Improvement, Home Life
Tagged With: homeowner, homeowners, Homeowners insurance

About The Fashionable Housewife

Sarah-Jean Ballard is the Editor in Chief of The Fashionable Housewife blog and Founder of Fashionable Media. Married to a sexy Molecular Biologist, housewife, mom to 5, homeschooler, Certified Personal Nutritionist and entrepreneur who's mission is to help moms just like you look and feel GREAT! Other interests include dancing, yoga, positive intactivism, natural birth and breastfeeding support, babywearing, paleo & gluten-free cooking, and promoting an overall healthy lifestyle to all.

Disclaimer

The Fashionable Housewife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for blogs and websites to earn advertising fees by advertising and linking to Amazon.com. We also participate in various other affiliate programs, and we sometimes get a commission on purchases made through our links. There is no extra cost to you! For more info, please see our Disclosure & Privacy Policy.

Previous Post: « A Few Essentials to Bring on a Summer Trip to the Mountains
Next Post: 6 Gorgeous Short Acrylic Nail Ideas for Every Occasion »

Primary Sidebar

  • Email
  • Facebook
  • Instagram
  • Pinterest
  • Twitter
  • YouTube

Hello, there!

Sarah-Jean Ballard

Hi! I’m Sarah-Jean. I’m a Christian, the wife of a handsome Molecular Biologist, and the homeschooling mother of 5 beautiful kids!

I enjoy homesteading, reading, writing, cooking, baking, crafting, home decorating, Xtend Barre, and of course, fashion!

This blog is a place for me to share how we live and what I love most. I’m on a mission to help busy moms like you, be fashionable too! Read More…

Never miss a post

Fashionable!


Use code FASHION10 to get 10% off your order at www.mapleandlark.com





Use our exclusive coupon code
LS-SARAHJEAN for $20 off your first order!


DHgate fashion dresses for sale

Use coupon code ‘FHW‘
to get 20% off your order!!!

Latest on Instagram

fashionablewife

𝒯𝒽ℯℱ𝒶𝓈𝒽𝒾ℴ𝓃𝒶𝒷𝓁ℯℋℴ𝓊𝓈ℯ𝓌𝒾𝒻ℯ
Christian, Wife, Mama x 5. livin' in NH
Fashion, Food, Health, & Home
✉️ Email me, let’s work together!

𝕊𝕒𝕣𝕒𝕙 | Fashionable Homemaker & Large Family Life
You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
I’m addicted and I just can’t get enough 😂🫣

I’m loving my no -toxic, non-stick cookware from @caraway_home  It’s as beautiful as it is easy to cook with. And it makes my kitchen look prettier too! 💁🏼‍♀️

Want to learn more about why I’m obsessed with these pots and pans? Visit my blog and search CARAWAY! Or scroll through my feed! 🥳

#homemaker #housewifelife #homestyler #momlife
Today was my due date for Dylan. Considering he w Today was my due date for Dylan.

Considering he was my 6th child, it's possible he would have been here by now. It’s been extra hard for me this week. 

Despite my best efforts to be strong and stay positive, I am completely brokenhearted. I’m just being honest. I could pretend I’m fine, but that doesn't do me or anyone else any good to be dishonest about the pain of miscarriage or the grief that comes with losing a child. 

My heart is completely shattered from having an empty womb and an empty nursery. An empty bassinet in the corner and unused tiny newborn outfits, all washed, folded, and ready… for nothing. 

It makes me physically sick to my stomach when I think about it all and I can't even fathom how I got here. How did I get here? 

This isn't how it's supposed to be! I should be holding a newborn right now! It’s so unfair. 

In an instant, my baby was gone and there was nothing I could do to change that. 

It doesn't matter how much time passes or what else happens in life, I will always miss him. My heart with always long for my baby. 

Those who haven't experienced loss tell you that "Don’t worry! Things will get better, just focus on the positive!" but people who actually know this grief and what it actually feels like to lose a baby, won’t tell you that. They know this hard road. They understand that unfortunately you don't just “get over it.” 

The grief doesn't just go away, even if you try to ignore it, it's still there. Like the sun. You don’t have to look at it to know it’s there. You can turn your back on it but it will still warm your skin. 

The grief from losing a child is unbearable. 
It is unpredictable.
It is unforgiving.
It is relentless.
It is all-consuming.
And it completely shatters you when you don’t expect it. 

You don’t get over it. You don’t forget. You simply learn to live with it. And I’m learning to live with it every day. 

It’s been 137 days I’ve had to live without my baby. 

Lord Jesus, please… hold me extra tight tonight. 

#babyloss #babylossawareness #babylosssupport #babylosscommunity #babylosssurvivor #stillbornstillloved #stillbornawareness #stillbirth #miscarriagesupport #miscarriageawareness

Footer

coffee

Thank You For Your Support!

Each product we feature on The Fashionable Housewife has been independently selected and reviewed by our editorial team. If you make a purchase through the links in our posts, we may earn a small commission at no extra cost to you. Thank you for supporting us!

You do not find a happy life. You make it. 

That’s the biggest lesson that grief has taught me. If I just wait around to be happy again, I’ll die sad. 

You don’t get through grief and come out the other side. That’s not how it works. You learn how to grow around it like a tree grows around a rock that’s in the way. You don’t wait for the rock to move. Cause it’s not gonna. 

Choose happy. And then make it happen. 

#choosehappy #joyinthejourney #griefjourney #healingfromtrauma
8 billion smiles in the world, but his is my favor 8 billion smiles in the world, but his is my favorite. 

Happy Valentine’s Day, @daeinexplains 🥰

The last 20 years with you have been my favorite years on this earth. ❤️ 

If I did anything right in my life, it was when I decided to give my heart to you.  You are my best friend, my soul mate, my better half, my rock, my everything. 

I love you.

#couplegoals #marriedlife #motherhoodthroughinstagram #weddingday #marriagegoals #yourestilltheone
Kids love helping if you just let them!💁🏼‍ Kids love helping if you just let them!💁🏼‍♀️

This little guy always asks to help when he sees me cleaning the house, washing the floors, doing laundry, or emptying the dishwasher. That’s what I love about Montessori parenting - it allows kids to do  big jobs and in turn makes them eager to help! 

He was over the moon when we gave him the @lovevery floor mop that actually works! He uses it daily now. The mopping pad is machine washable and you can refill the fluid container on it. I usually just do water and a drop of essential oils because he loves it when everything smells clean! 😜 

Definitely recommend! If you want to grab this mop for your little helper, it’s in the Storyteller Play Kit from Lovevery for 3 year olds. 

LlNK is in my bio to get FREE shipping! 💃🏼

#lovevery #loveverytoddler #loveverypartner #montessoriathome #montessoriplayroom #montessoritoddler
Stop trying to fit your square self in a round hol Stop trying to fit your square self in a round hole. 

Sometimes we outgrown relationships. Sometimes we realize someone else isn’t a good influence on our lives. Sometimes we realize we aren’t a good influence for someone else. Sometimes we need to let things go that aren’t good for us in order to grow. And that’s ok. 

Stop trying to sit at a table you are no longer welcome at. Just be yourself, focus on God, love your family and friends, and the right people will gravitate to you. ✌🏻 

#raisingsaints #momlife #motherhoodunplugged #selflovejourney #growingpains #selfcaresunday
When your toaster breaks from a power surge you ta When your toaster breaks from a power surge you take that as a sign that it’s time to upgrade! 🤪

It wasn’t hard to pick a new 4 slice toaster. As soon as I saw this one from @haden_usa I added it to my cart. I bought it from @lordandtaylor because it had the fastest shipping and I didn’t want to wait! 

No fancy electronics, screens, or extra features we don’t need. Just simple, straight forward functions and perfect results everytime. Plus it matches all my @cafeappliances too! 😂👍🏻

What do you think of this 4 slice toaster?! 

#toasters #kitchenappliances #kitchendesign #kitchendecor #whitekitchen #farmhousekitchen #farmhousestyle #whiteappliances
I’m obsessed with these leather booties from @en I’m obsessed with these leather booties from @enjoiya! 💃🏼 

The “Steffi” in green are the perfect boots for ushering in spring weather with their delicious vintage leather and worn-in look right out of the box. I love the chunky lug soles and inside zippers to get them on and off easily. 

These are the boots you’ll want to wear again and again. And again. 

Use my coupon code BALLARD20 to get 20% off your order! Find them on www.enjoiya.com

#leatherbooties #enjoiya #italianshoes #realmomstyle #momstyle #momstyletips
All the poop shoveling doesn’t seem so bad with All the poop shoveling doesn’t seem so bad with the prices of eggs right now! 🤪 🐔 🥚 

Guess it’s ok to be a crazy chicken lady and have a homestead now! 🤣

#momlife #crazychickenlady #homesteadlife
  • Home
  • Meet Sarah
  • Contact Us
  • Disclosures & Privacy Policy

[Est 2005] Copyright © 2023 Sarah-Jean Ballard and Fashionable Media | Beloved Theme

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish.Accept Reject Read More
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT
0 shares