The holidays are a wonderful time of year. It's a season filled with family gatherings, gift-giving, and celebrations. But it can also be an expensive time. As a home and auto insurance company in Texas, we understand that saving money is important, especially during the holidays. That’s why we want to share tips on how to save on your house insurance premiums in Houston, Texas, while still keeping your home protected.
Bundle Your Insurance Policies
One of the easiest ways to save on house insurance is by bundling it with other policies, like auto insurance. Many companies offer discounts when you purchase multiple policies from them.
As an insurance provider, we make it simple to combine your home and auto insurance. Not only does bundling save you money, but it also simplifies your payments. You only have to deal with one company for all your insurance needs.
Increase Your Deductible
Raising your deductible is another great way to lower your premiums. A deductible is the amount you pay out of pocket before your insurance kicks in for a claim.
If you can afford a higher deductible, you can save money on your monthly or yearly premiums. Just make sure you’re comfortable paying the deductible in case you need to file a claim.
Ask About Discounts
You’d be surprised at how many discounts might be available to you. Many house insurance companies in Houston like us offer savings for various reasons. For example, you might get a discount for installing a security system, smoke detectors, or other safety features in your home.
We encourage our customers to call us and ask about special discounts. During the holidays, some providers even run promotions, so it’s a good time to check in.
Review Your Policy
The holidays are the perfect time to review your house insurance policy. Are you paying for coverage you don’t need? Sometimes, policies have add-ons that aren’t necessary for everyone.
By reviewing your policy with us, you can find ways to trim unnecessary coverage and adjust it to better fit your home. This small step can help you save money without compromising your protection.
Keep Your Home Safe
Taking steps to prevent claims can also keep your premiums low in the long run. During the holidays, fire risks go up because of Christmas lights, candles, and cooking mishaps. Theft can also increase with gifts stored in your home or packages left on the porch.
We recommend installing safety measures like burglar alarms and being cautious with your holiday decorations. Fewer claims mean your premium stays low over time.
Pay Annually Instead of Monthly
If possible, paying your house insurance premium annually instead of monthly can also save you money. Many insurance providers offer a small discount for paying upfront. It might feel like a big payment at once, but it can reduce your overall costs for the year.
Shop Around Before Renewing
If your policy is up for renewal, take the time to shop around and compare quotes. While we’re confident in the value we provide to our customers in Houston, we always encourage you to explore your options. Getting quotes from multiple companies can help you find the best deal.
Closing thoughts
The holidays are about spending time with loved ones, not stressing over your budget. Contact us today at Hart Insurance Group to learn how we can assist you with affordable and reliable home insurance Houston, TX. Let’s keep your holidays bright and worry-free!