There are a few things to keep in mind when shopping for homeowner insurance. Consider combining your auto insurance policy with you homeowners insurance coverage. By combining these two coverages you’ll be able to take advantage of the multi-line insurance discount.

Another way to cut down your insurance rate is by minimizing risks. Having things such as smoke detectors, security alarms and dead bolt locks will help reduce your risk. Lower risk = lower rates. Research the value of your home and the cost of a rebuild. Many homeowners will insure the total mortgage amount. The mortgage amount includes the land that came with the home. If your home burns down your lands will still be there to rebuild on assuming it’s not a connected townhome or condo. If you’re in the market to buy a home consider the risks of where you’re shopping. Due to climate change, homeowner insurance rates on oceanfront property will continue to rise. This goes especially for homes near high risk hurricane zones. Read more information regarding Home Insurance