Get the Best Deal On New York Homeowners Insurance

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Follow these simple tips to get the best rate on your New York City homeowners insurance…

Shop Around: Even if the rate looks great, never settle on the first company you speak with without shopping around; get rate quotes from at least three insurers before you settle on one.

Rethink Your Deductible: Your deductible is the portion you pay out of pocket whenever you use your insurance to cover a loss. Generally speaking, the higher your deductible, the less you’ll pay in premiums. Talk with insurer to figure out how much you could save by raising your deductible.

Protect Your Home: Many insurance companies offer incentives to reduce the chance of a break-in with deadbolt locks or burglar alarms. Living in an area with a Neighborhood Watch program or establishing one could also get you a discount on your insurance.

Avoid Over-Insuring: When buying a policy, insure yourself based on the value of your home only and not the structure plus the land it sits on.

Look Into Group Coverage: Occasionally employers and business or alumni associates will offer a group insurance plan at a discount to its members.

Always Ask About Discounts:

Insurance companies offer discounts for many things that make you less likely to have to file a claim, protecting your home from fire, break-ins or natural disasters.

If you’re over 55 years old, you may qualify for senior rates.

You may also get a discount for moving all of your policies to a single insurer.

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