interior of luxury home

Every homeowner needs home insurance to protect their investment. From burglaries to bathroom leaks, a home insurance policy can step in when the unexpected happens. Although this is valuable – and essential – coverage to have, you don’t want to pay more than necessary for this coverage. To help you shave down the cost of home insurance in 2020, take a look at these tips.

Increase your home security

  • Install security alarms and smoke alarms
  • Use high-quality door and window locks. If they are outdated, consider upgrading them
  • Install security lighting that deters burglars
  • Use a safe to store your high-value belongings

Get the right home insurance policy

  • Increase your deductible to lower your premium. Remember to keep this at an affordable out-of-pocket cost
  • Pay annually rather than monthly if it works out to be cheaper
  • Bundle your other insurance policies together. Many insurers offer discounts when you take out more than one policy with them
  • Avoid over-insuring by only buying the coverage you need
  • Think twice before you file a claim, as frequent filing can raise your premiums

Avoid damage and disasters

  • Insulate exterior and exposed water pipes before the cooler months
  • Clean out the gutters seasonally
  • Prune dead and dying trees from the yard
  • Maintain the roof
  • Remove combustible, dry, organic material from the sides of the house

If you are looking for reliable and affordable coverage, don’t hesitate to contact us at Sausman Insurance Agency in Mifflintown, Millersburg, and Lewistown, Pennsylvania. We are ready to assist you with all your coverage needs.