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Write something about yourself. No need to be fancy, just an overview.
Oklahoma Insurance Professionals LLC Blog |
Write something about yourself. No need to be fancy, just an overview.
When Megan and her family moved into their new home in Oklahoma City, the excitement was palpable. However, reality hit when they started looking into homeowners insurance premiums. With Oklahoma’s weather risks, the quotes seemed higher than expected. Determined to find a way to cut costs without sacrificing coverage, Megan discovered that there were plenty of discounts available—if she knew where to look. By installing a monitored security system, bundling her auto and home policies, and opting for a higher deductible, Megan reduced her premiums by nearly $600 annually. Saving on homeowners insurance doesn’t have to mean cutting corners. Here’s how you can uncover hidden discounts and make your policy work for you while staying fully protected. 1. Bundle Your Policies for SavingsCombining your home and auto insurance under the same insurance company can lead to significant savings. Known as a multi-policy discount, this approach not only simplifies your coverage but also helps you save money. Many insurance companies offer this discount, which can reduce premiums by up to 25%. In Oklahoma City, where bundling is common, this option is a great way to keep costs low. For example, Oklahoma Insurance Professionals can help you combine policies seamlessly, ensuring you get maximum savings without compromising coverage. 2. Install Safety and Security FeaturesUpgrading your home with features like smoke detectors, burglar alarms, and sprinkler systems does more than protect your property—it also makes you eligible for discounts. Many insurers offer reduced premiums for homes equipped with monitored security systems. In areas like Oklahoma City, where storm risks are high, insurers also reward homeowners for installing storm-resistant features like impact-resistant windows. These features not only lower your premiums but also provide peace of mind, knowing your home is better prepared for unexpected events. 3. Maintain a Strong Credit ScoreA good credit score can have a direct impact on your homeowners insurance premiums. Insurance companies view a higher credit score as a sign of financial responsibility, translating to lower risk. To improve your credit score, focus on:
Oklahoma homeowners with excellent credit often see premiums significantly lower than those with average or poor credit. 4. Increase Your DeductibleIf you’re financially prepared for higher out-of-pocket costs in the event of a claim, consider increasing your deductible. A higher deductible means a lower monthly premium, as insurance companies view you as less likely to file minor claims. For homeowners in Oklahoma City, setting aside an emergency fund for potential repairs can make this strategy more practical. 5. Stay Claims-Free |
Scott Godwin |
(405) 838-1818
1624 SW 122nd St
Oklahoma City, OK 73170
Click Here to Email Us
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