Some Great Ways To Keep Your Home Insurance Premiums Low

Warren Insurance Agency
2 min readApr 8, 2024

Want to keep your home insurance premiums low? Remember, never make preventable claims against your insurance company. Accidents happen, and they do happen, but that doesn’t mean you can’t reduce the number of insurance claims by reducing the risks you face. Follow these tips to reduce your chances of making a claim or increasing your premiums.

Install more smoke detectors:

The less damage a fire causes to your home, the less likely you are to make an insurance claim. Therefore, installing smoke detectors in your home not only lowers your originally quoted home insurance premium but also reduces the chance of a large insurance claim that could lead to higher premiums in the future.

Read more: How To Find The Right Home Insurance Dorchester?

Install a Burglar Alarm System:

You can save on your home insurance premium by taking appropriate steps to prevent items from being stolen from your home. If someone tries to break into your home, a burglar alarm will alert you and the local police. This allows insurance companies to offer lower premiums and prevent claims that could lead to even higher premiums.

Avoid flood zones:

There are many areas that are considered flood zones. These areas are prone to flooding during storms, hurricanes, and other problems. Traditional home insurance won’t protect you from flood damage, but if you live in a flood zone and have a mortgage, you should purchase flood insurance. Instead, if you avoid buying a home in this dangerous area, you won’t have to spend money on insurance.

Read more: Why Rental Property Insurance Is Important For Landlords?

Know the code:

Many homeowners attempt to make changes to their property without contacting the city code department, obtaining permits, and inspecting the work. However, norms have been developed to ensure the safety of you and your neighbors. By following regulations and having the work on your property inspected, you reduce the risk of a claim on your home insurance and can help keep your premiums low.

These are some simple, cost-effective ways to keep your home insurance premiums low and reduce your chances of making a claim. Try implementing some of these now. That will go a long way toward making your home happier, safer, and more cost-effective. You can search online for cheap home insurance in Dorchester, as many insurance companies provide home insurance at very affordable prices.

Read it: Tips To Calculate Payments for Commercial Property Insurance



Warren Insurance Agency

Warren Insurance Agency Inc., is a private independently owned company based in Dorchester, Mass founded by its Agency Principal Edward L Warren in April 1979.