1 You can save a lot if you buy more than one policy from the same insurer.
Expect to save anywhere from five to fifteen percent if you choose to have more than one policy with the same insurer.
The multi-policy discount you get might be much less than what you'll get by getting your policies from different insurers.
The only way to know which is better for you is by receiving a wide range of quotes and calculating what you'll get.
2 A higher Deductible will guarantee more affordable premium.
A deductible is an amount an insured is expected to pay before his/her insurer becomes bound by law to pay as indicated in the terms of their policy.
The least deductible typically in home insurance is around $250.
By increasing your deductible from $250 to $500 you'd probably save about 12 percent.
If you elect to make it $1000 you could easily make savings of around twenty-four percent.
What you'll get as savings for each deductible amount will be different depending on the insurance company.
3 You will save much if you really have between 15-30 minutes.
Visit, receive and compare home insurance quotes from various insurance quotes sites.
The lowest offer should be what you go for easily.
But, you have to look beyond just the cheapest price to the best price/value.
The lowest priced may not offer the best price/value for you as an individual.