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A Few Ways to Lower Your Home Insurance Premium Tips to Lower Your San Marcos Home Insurance Policy Premium

Home Insurance

Many people dread the renewal time of their home insurance policy because they know that, as in previous years, there will be an increase in their premium. The question is, what can one do about it? Here are ways to lower your home insurance premium.

Raise Your Homeowners Insurance deductible

You won’t have to pay much if your roof gets damaged or destroyed by a storm, etc.

Shop around for a cheaper provider

There’s no rationale why you should fork out thousands of dollars a year just because your current insurer isn’t meeting your needs. As with anything else, shopping around will save you money.

Try to build a good relationship with your insurer

Insurance companies love long-term customers, so the more time you spend with them, the better. Don’t make any claims in the first few years that you have insurance—The main thing here is to avoid making any claim against your policy until after the initial 3 years when your policy starts to become cheaper. You will save money by not making any claims at this time.

Check to see if there are any local competitors nearby

In this way, your insurer may give you a slight discount on your premium if they see that another local company is offering the same services at a similar price point. Your current insurer may be inclined to lower your premiums to entice you to stay with them over the competition.

Include safety devices in your home

Safety devices include items such as fire alarms, smoke detectors, etc. Doing this will assure your insurer that your home is safe and secure, giving them the peace of mind to lower your premium.

Have a security system in your home

This can be very effective at ensuring that intruders are kept out, but it is also likely to lower your premium because insurers will see you as more alert and cautious than other homeowners.

Ask your insurer if they will offer you a lower rate due to your occupation

If you work in the medical profession, it may be that they will offer you a discount provided you are honest about what work you do.

Insist on an in-house warranty

With this policy, your insurer will cover the costs of any repairs, upgrades, or replacements needed to make your home as safe and secure as possible.

Get a home safety certificate

These come from the government for free, but they tell your insurer how safe your property is and how you keep it! If this certificate was available to all citizens, it would save so much money in the long term.

Fight back against the increase

This is the best way to see that you are not being ignored and will likely result in a decrease in premium. Just be sure not to go overboard by trying to prove faulty wiring etc…

Get a home add-on policy

This extends your home insurance in Buda to cover everything you own, not just your home. For example, suppose you have expensive items in your car that could be damaged in a collision on the motorway. In that case, your insurer will want them covered under the policy rather than having to pay out themselves.

Join a group insurance scheme

This can save you thousands as it means that many people with similar requirements can get together and negotiate a discount with their insurer.

Check your existing policy

Read through it and see if there is something in there that you need to change, like a lowered safety rating or increased fire risk.

Key Takeaway

You can do countless other things to lower your insurance premium, so it only makes sense to get on the phone and call around until you find the most affordable offer that meets your needs. Just remember that it’s not worth switching to a different company just because they are cheaper at the time. You will want to check their customer service and previous testimonials before making a final decision.


In conclusion, lowering your home insurance premium is a smart financial decision that can have long-term benefits. By following the tips we’ve outlined, you can save money on your policy without compromising on coverage. However, finding the right San Marcos homeowner’s insurance plan that also covers pets can be a daunting task, especially if you’re not familiar with the intricacies of the industry. That’s why it’s essential to seek professional advice from an experienced insurance agent in San Marcos. At Matt Patterson Insurance, our goal is to help you find the best possible home insurance in San Marcos TX that fits your unique needs and budget. With over 20 years of experience in the insurance industry, Matt Patterson Insurance is dedicated to providing tailored advice and quality coverage to our clients. So, if you’re looking for reliable home insurance in San Marcos TX, do not hesitate to get in touch with us today. Our team of experts will be glad to guide you through the insurance buying process and get you started on the path to financial security.

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