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Home Insurance Too High? Use These 4 Strategies to Save Big on Home Insurance in Pasadena, TX

Homeowners in Pasadena know that the cost of adequately insuring their home can be a major budget-buster. In fact, the National Association of Insurance Commissioners reported that Texas residents are paying some of the highest home insurance rates in the country–around $1,460 annually in 2008. Luckily, there are some simple measures you can take to get a lower quote on your Home Insurance in Pasadena, TX. Keep reading to learn some highly effective ways to cut insurance rates, and Click Here for affordable quotes on your homeowners insurance in Pasadena.

Get Fire Safe

Insurance agents agree that an effective way to lower your insurance rates is to get serious about fire safety in your home. To insurance companies, a home that is well-protected against fire-related disaster is considered low-risk, meaning a lower insurance quote for the homeowner. To get this discount, focus on adding additional smoke detectors and fire extinguishers. These simple moves will save you money, but if you really want to see significant discounts you can purchase a sprinkler system or fire department alert system in your home. According to the FCIC, this type of high-tech protection can get you a savings of up to 20% off the cost of your Home Insurance in Pasadena, TX.

Raise Your Deductible

An instant way to pay less on your insurance premium is to raise your deductible. This is a great move for families that have enough money in savings to cover the extra out-of-pocket costs in case disaster strikes. According to experts, raising your deductible by at least $500 can save you as much as 25% on your insurance payments.

Combine Policies

Most insurers offer substantial discounts to customers who bundle their home and vehicle insurance policies. Expect to pay around 10% less on your overall insurance costs if you purchase all of your insurance needs from the same company.

Invest in Home Security

A home that’s well-protected from burglary costs less to insure than one with no anti-theft measures. Even something as simple as adding deadbolts on your doors can get you an insurance discount. To potentially save up to 20% on your home insurance, consider installing an alarm system that immediately notifies the police if a break-in occurs.

The cost of home insurance in Pasadena can be expensive, but there are many ways to get substantial discounts. Use the strategies discussed above, and your policy should be much less costly.