If you are like most of our clients, you certainly want the right coverage to protect you, but you are also looking for ways to save money on home insurance. We’ve touched on this topic in the past, and want to add some additional information to this. 

Make your home disaster/peril resistant

This is one of the easiest and DIY ways to save money on home insurance. Look at your current situation and ensure you do the following if you have not:

  • Add smoke detectors
  • Make sure your roof is updated
  • Ensure proper locks are installed
  • Install hurricane shutters
  • Clean gutters and downspouts

A little TLC will go a long way, and if you take the time, and effort to update your home you could save money in the long-run. If you make the effort to ensure your home is as disaster-resistant as possible, your insurance company could possibly provide you with a discount on your home insurance. As you’re lowering the risk of a claim due to a disaster whether that is natural or man-made, you have a good chance of saving money on your monthly premium. 

PLEASE, talk to your insurance agent before making any major home renovation to see if it will affect your insurance rate. You don’t want to invest the time, money or effort into improvements only to find out after the fact that they have no effect on your premiums.


Hey, it never hurts to ask, right?! 

Talk to your agent, or reach out to Jacksonville’s #1 Insurance Agency three years in a row (Yeah, that’s us!) to discuss what other discounts you may qualify for. Some examples of discounts you can receive are below:

In some cases, you can even ask for a claim-free discount, meaning that you have never had to make a claim through home insurance before. 

Sometimes, your line of work or career can also provide you with a discount.

Raise your deductible

Let’s start with the definition of a deductible and what that means for you. Your deductible is how much money you pay out of pocket when you file a claim with your insurance company, and the insurance company will pay the rest of the claim. 

If you have the financial resources, consider raising your deductible to lower your insurance costs. The higher your deductible, the less you pay on your insurance premium. Before going this route, make sure this option is worth the cost. Your agent can help you determine if the savings on your policy is worth paying more out of pocket in the event of a claim.

As a homeowner, it’s important to determine how much you think you can afford if something does go wrong. Again, talk to a licensed home insurance agent.

Pay attention to your credit score

Your credit score is an inevitable factor in the premium rate you’ll pay for homeowners insurance. Insurance companies will use your credit score to predict your potential losses, and the higher your score, the less likely it is that you’ll be filing a claim. If your score is lower than you would like, take steps to rebuild your credit score. When you have a better credit score, it will help you save in the long run.

Florida Home Insurance Experts

For almost 15 years, PBIG has been helping Florida residents by getting them the right coverage at the right price. We are locally owned, have a casual approach, and deliver professional results. Click below to get a no-hassle, free quote from one of our experts.

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