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Joe O'meara's Blog

By Joe OMeara | Agent in El Cajon, CA
  • Homeowners' Insurance Discounts

    Posted Under: Home Buying in San Diego, Home Insurance in San Diego, Home Ownership in San Diego  |  May 8, 2013 9:54 AM  |  377 views  |  2 comments

    Homeowners insurance isn't just required for your mortgage  it's an important part of a plan to keep you and your home safe. Generally homeowners insurance cover damage from fire, theft, and more... Luckily there are some ways you can improve your home that not only may boost resale value but can lower you homeowner insurance rates.

    1) Home Security- If you live in a gated community, have a security system, or even deal-bolt locks, this can be a discount for some providers.

    2) Fire Safety- Installation of smoke detectors and carbon monoxide detectors can look good to your provider.

    3) Home Maintenance- You may be able to qualify got an age wiring discount depending on how old your wiring is. New pipes? Well that can also qualify you for a discount. If your home was recently renovated or is newer that may entitle you to a discount.

    4) Policyholder Discounts- If you have not file a claim in the last 10 years you can often get as much as a 20% reduction. If you are older and retired you may get a discount.

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