How to Save Money on Your Homeowners Insurance Policy

In the throes of today's economic recession you'd be hard put to find someone who'd say no to saving money on anything, which means saving money on homeowners insurance has become a major accomplishment for American homeowners. Here are simple steps you can take to save big money on your homeowners insurance:

1) Shop around. With the recession tightening the belt of every company from Boston to Los Angeles there are plenty of companies scrambling for the attention of today's info-savvy insurance shopper. That means that you, as one of those insurance shoppers, are in a prime position to enjoy the kind of savings you'd only dreamed of until now. Every insurance company wants your business, and most of them are going to be happy to pull the rug out from under each other to get it. Take advantage of that.

2) Pump up the security on your home, and bring your plumbing and your electrical systems up to date. Secure your foundation, check out your roofing materials and inspect every other nook and cranny to see how stable and intruder-proof your home really is. Houses that stand up to the weather, keep in what they're meant to keep in and keep out what they're meant to keep out are the houses that belong to the homeowners that enjoy saving money on their homeowners insurance.
Why? Because that's what they hand out discounts for.

3) Ask for discounts. You'd be amazed at what your homeowners insurance provider will give you a discount for-and what discounts are out there hiding, waiting for you to find them! For example, did you know that many homeowners insurance providers will give discounts for:

a) Hail resistant roofing?
b) Heating, electrical or plumbing updates that bring your building up to code?
c) Approved electronic burglar alarms?
d) Your credit score? (No, you'll never be able to get away from that 3 digit number. Give up now.)
e) Going (X) number of years without filing a claim?
f) The age of your home?
g) Purchasing a companion policy? (For example, purchasing your Oklahoma homeowners insurance policy from the same provider that carries your auto insurance.)
h) Your age?
i) Your career?

Knocking big bucks off your homeowners insurance isn't as hard as you might think. Remember, your insurance provider wants your business. Don't be afraid to make them work for it!