Now more than ever, having the right home insurance is essential. But with rates on the rise, how can you be sure you’re getting the coverage you need, without overspending? 

How to Save on Home Insurance

Here are 7 smart ways you can lower your premium while still protecting your most significant investment:

1. Shop Around and Compare

Don’t go with the first quote you get. Rates and coverage vary by provider, so take time to compare. Click here for a quick comparison list of some of the leading insurance providers in Pennsylvania. 

2. Bundle Your Policies

Combining your home and auto insurance can lead to significant savings and simplify policy management.

3. Upgrade Your Home’s Security

Features like smoke detectors, smart locks, or alarm systems not only add peace of mind, but they may also earn you discounts.

4. Raise Your Deductible

Opting for a higher deductible lowers your premium. Just make sure it’s still an amount you’re comfortable paying if you ever need to file a claim.

5. Make Strategic Improvements

A newer roof, updated electrical system, or energy-efficient windows can help lower your rates. Insurance companies look closely at your home’s age and condition. Yay, new construction homes! 

6. Maintain a Strong Credit Score

In many states, credit impacts your premium. Pay bills on time, reduce debt, and review your credit report regularly for errors.

7. Review Your Policy Every Year

Life changes, and so do insurance needs. Make it a habit to review your coverage annually to ensure you’re not under- or over-insured.

Final Thoughts

Finding affordable home insurance in today’s market takes a little strategy, but it’s absolutely doable. The key? Stay informed, compare options, and take proactive steps to lower your risk profile.

At Berks Homes, we understand your home is more than just a roof over your head it’s your future. Let’s help protect it, affordably.