Especially if you are escrowing your monthly payment can not only be affected by your appraisal but also by your insurance rates. Here are 7 tips to help lower your homeowner insurance rate: 1) Shop around – pick a slow day and get quotes from several agencies
2) Consider your comfort with co-insurance – by raising your deductible you can save hundreds a year.
3) Budget by bundling – If your agent is a full line agent, see about getting a bundle discount for home, auto, health and/or life.
4) Install an alarm system – Some wireless alarms with monitoring cost less than the savings on your policy.
5) Clean up your credit – Resolving an error on your credit report can lower your rate.
6) Ask about group coverage – You may already belong to a trade association of social group that gets discounts for its members.
7) Do online banking – some companies are charging you for mailed payments.
Some of these might seem like common sense, but your clients might not know all of them, so please feel free to pass them along.
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