6 Ways to Lower Your Home Insurance Costs

The cost of homeowner’s insurance coverage continues to increase. In fact, in the past few years, there has been a great increase in price that policies that cost somewhere around $325 are now two to three times that amount, putting the burden on many household’s budgets.

Here are 6 ways to lower the cost of your homeowner’s insurance:

  • Increase your homeowner’s deductible.

What is a deductible? It is the amount of risk that you have agreed to accept before your insurer begins paying on a claim. Because the cost continues to increase, it makes no sense anymore to let the insurer assume all the risks. Increasing your deductible, if you have a lower one, allows you to save as much as 25% on premiums.

  • Buy several policies from the same company.

Consider buying auto and homeowner’s insurance policies from the same company. Some offer 5 to 15 percent less if you purchase both types of policy from them. However, also take time to research and ensure that the price is lower compared to buying two policies from different insurers before coming to a final decision.

  • Ask about discounts.

Did you know that you are eligible for discounts? Ensure that you receive all the discounts for which you’re entitled to. For instance, you get discounts if you install additional smoke detectors, locks, security or alarm systems, fire extinguishers, and other measures inside your property. If you are more than 55 years old and retired, you are also entitled to an additional 10 percent discount.

  • Don’t buy coverage you don’t need.

It doesn’t make sense buying a coverage that you don’t need. For instance, buying coverage to safeguard yourself against risks that you are unlikely to experience like getting an earthquake coverage in an earthquake-free area or adding a jewelry floater even if you don’t have expensive jewelry in the first place.

  • Make your property a better insurance risk.

Ask an agent about what you need to do to make your property cheaper to insure. One example is making some changes that lower the risk of damage in the event of windstorms and other natural calamities. Another example is updating your old wiring or heating system which could reduce the risk of fires and thus reduce your premiums.

  • Make sure your coverage is updated.

Every year, dig out your current policy and review the details before it is due to renew. Call your agent and inform them about any changes in your condition that happened within the year.

Homeowners face a lot of expenses but paying for a home insurance policy shouldn’t be a burden. Though home insurance has always been competitive, shopping around is the tried-and-true way to save money.

Not Driving All The Way: Cheap Air Travel To Canada

When it comes to finding one of the most beautiful countries that you could enjoy and explore, with the friendly faces and immersing yourself with the multicultural atmosphere that a place could offer, the best country that you should visit is Canada. Though some people would often just drive all the way from the US to Canada, there are those who would rather skip the long periods of driving and the hassles of having to stay focused on the road and would just opt to book for a reservation for a flight.

But on the other hand, when in terms of having to travel through an airplane, one of the issues that are often raised is the expense and that is why it is best if you would find cheap air travel deals to Canada to make your trip more fun and cost effective. And if you are interested in booking for a cheap air travel to visit Canada, here is one great website that you must check out in order for you to find the best deals that would suit your need and your budget.

Book Your Reservation Now

If doing a long drive is not your thing, then the best option that you should look for is to have a cheap air travel to Canada that most travel websites are happy to obliged to and give you the best deals that they could offer. On the other hand, though there are many kinds of travel websites where you could find hot deals of travel in Canada, what stand out most among the rest is the Group travels where they are specializing in cheap airline tickets, hotels, cars, cruises, and other prearranged vacation packages that you could instantly avail.

Whether you may be looking forward for a cheap air travel to Canada or anywhere else in the world, you are sure to find something that would fit your budget and your lifestyle at Group travels. With Group travels, you are sure to find you cheap prices on any aspect of your travel including short breaks, hotels, cheap flights and scheduled airline tickets from any airport around the world.