20 Legit Ways to Lower Your Home Insurance Premium

Premiums are rising nationwide due to climate change and inflation. But that doesn't mean you have to just accept a higher bill.

There are dozens of discounts and strategies hidden in the fine print. We have compiled the ultimate checklist of 20 ways to slash your premium.

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The Big Wins (5-20% Savings)

• 1
  Bundle Auto & Home: The golden rule. If you aren't bundling, you are throwing away 15-20%.
• 2
  Raise Your Deductible: Going from $500 to $1,000 can save ~15%. Going to $2,500 can save even more. Just keep the cash in savings.
• 3
  Improve Your Credit Score: In most states, insurers use a "credit-based insurance score." A score above 750 gets the best rates.
• 4
  Shop Around Every 2 Years: Loyalty doesn't pay. New customer introductory rates are real.

Home Improvements (5-10% Savings)

• 5
  New Roof: If you replaced your roof in the last 5 years, make sure your agent knows. It's a huge discount.
• 6
  Impact Resistant Windows: Essential in coastal areas. "Wind Mitigation" credits are massive in Florida and Texas.
• 7
  Upgrade Electrical/Plumbing: Replacing old knob-and-tube wiring or galvanized pipes reduces fire/water risk.

The "Did You Know?" Discounts (1-5% Savings)

• 8
  Gated Community: Less risk of theft.
• 9
  HOA Membership: Some insurers view HOAs as a sign of well-maintained neighborhoods.
• 10
  Non-Smoker Discount: Less risk of accidental fire.
• 11
  Paperless Billing: Saves the company postage, saves you a few bucks.
• 12
  Pay in Full: Avoid the "installment fees" (usually $5/month) by paying the annual premium upfront.