Home insurance is a reality of homeownership. Though you can’t control all factors that impact the cost of your policy, try these six ways of making sure you get every discount available to you.

Ask your insurer about easy discounts

For example, with Amica, you can get home insurance discounts for:1

  • Having no claims in the past three years.

  • Enrolling in electronic billing and policy information.

  • Signing up for automatic deductions to pay your premium.

  • Being a loyal customer.2

Bundle your insurance policies

Most insurance companies offer a bundle discount when you buy multiple policies from them. For example, Amica offers up to 15 percent off when you combine home with your auto, life or umbrella insurance.1

Make updates to keep your home safe

Making improvements to your home may make it safer, increase its value and help you save money on homeowners insurance. Here are updates that may make you eligible for discounts:1

  • Redo your roof. A new roof could help you save on your insurance premium in some areas.3

  • Upgrade the electrical, heating and plumbing systems. Subject to location, Amica offers discounts for new or remodeled homes.1,4,5

  • Install a generator. Depending on where you live, Amica offers a discount if you have an automatic generator.5

  • Set up a central security system. Many insurers, like Amica, offer discounts if you have a security alarm or smoke detectors.1,6

  • Use automatic detection devices. Homeowners with a temperature monitoring system or a water leak or gas leak detection system may receive a discount.7 Early detection of these problems also can help prevent costly claims.

Before you make these investments, ask Amica about the home improvement discounts available and the requirements to qualify for them.

Review your policy each year

Your home insurance needs may change over time, so it’s worthwhile to review your insurance policy annually. This routine ensures you’re not paying for coverage that’s no longer applicable. For example, if you sell an antique that you had scheduled for extra protection, canceling that coverage can save you money.6

Raise your deductible

A deductible is the amount you pay toward a claim before your insurance benefits kick in. Typically, the higher your deductible, the lower your insurance premium will be.8 Most insurance companies recommend a $500 deductible, but a $1,000 deductible may result in up to 25 percent in savings.6 However, you shouldn’t take on a deductible you can’t afford in the event of a claim.

Compare quotes and companies

Comparing insurance offerings from at least three different companies may pay off in savings and a better customer experience. Here’s what to keep in mind:

  • Find reputable home insurance providers in your state through the National Association of Insurance Commissioners.8

  • Check consumer guides like Consumer Reports and J.D. Power to find insurers fellow homeowners trust.

  • Don’t just consider cost. Ideally, your insurer will offer a fair price, have a track record of good customer service and be financially stable. An A rating or higher from AM Best means the company is fiscally sound and can pay claims.8

Home insurance discounts may require a little research, but the yearly savings can be well worth the effort. Use our checklist above when comparing quotes or reviewing your current homeowners coverage.

Call an Amica home insurance representative at 833.513.3883/833.513.3884 for your free quote, and to learn more about discounts for which you may be eligible.