Ways to help lower your home insurance rate

There are more ways to lower your homeowners insurance rate than just increasing your deductible. Building a bundle, searching for more discounts, and shopping around can all help you save big in the long run. Learn about even more ways you can save on your homeowners insurance, even if you've had your policy for years.

3 min to read

Ways to lower home insurance

Shopping around, minimizing your risk of claims, putting your best foot forward — taking one or all of these steps are sure to help you get cheap homeowners insurance. If you're wondering why your rate is high, you can try these tips to help lower your home insurance premium:

  • Shop around with HomeQuote Explorer®: Progressive's extensive network of homeowners insurance carriers can help you shop around for a rate that's right for you. Whether you're looking to cover a condo downtown or a sprawling suburban suite, HomeQuote Explorer® can help you find the coverage and rate that's right for you.

  • Increase your deductible: Increasing the amount of your homeowners insurance deductible can help you lower your rate overall. Just know that if you make a claim, you'll be responsible for more out-of-pocket. Use our home insurance calculator to determine what your deductible could be.

  • Build a bundle: The bigger the bundle, the bigger the savings. Bundle homeowners with an existing auto policy and save. Have a couple of toys to throw in? Add a boat, RV, or motorcycle to get the lowest home insurance cost.

  • Take advantage of discounts: Who doesn't love a discount? And boy, do we have homeowners insurance discounts. Something as simple as going paperless can make it so you have more paper in your pocket.

  • Adjust your coverages: Compare your policy and your home inventory to make sure you have the coverages that are right for you. Are you covering things you no longer have? Or could you lower an asset's overall value based on depreciation?

  • Secure your assets: Adding a security system is an up-front expense you may see pay itself off with savings over the lifetime of your homeowners insurance policy.

  • Avoid attractive nuisances: While in-ground pools and trampolines sound like all fun and games, they tend to increase your homeowners insurance rate. Be sure to factor that expense in as you determine if it's best to just head to the local pool next summer instead of adding an attractive nuisance to your home.

  • Consider key home renovations: Some home renovations and improvements increase your rate, but certain upgrades can help reduce your rate for some insurers, too – especially if you live in an older home. See what home improvements or renovations could impact your rate.

  • Know the score: You might keep an eye on your credit score, but did you know that your insurance score could also play a factor in your homeowners insurance cost? Keep tabs on your driving and accident history in addition to your credit score to make sure you're getting the best rate, even if it is for homeowners insurance.

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