How to get cheap homeowners insurance
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.
How to lower home insurance
Have you ever wondered, "why is my home insurance so high?" While a rate increase on your homeowners insurance policy could be the result of many different factors, affordable homeowners insurance could be right around the corner by taking the following steps:
1. Compare home insurance quotes with HomeQuote Explorer
We give you the unique power to view home insurance rates and coverages from our network of home insurers. Plus, we'll match you with a policy customized to your needs based on the information you provide. Try HomeQuote Explorer today and instantly compare rates from multiple companies, side-by-side. You can also learn more about changing your homeowners insurance.
2. Increase your deductible
The higher your homeowners insurance deductible, the lower your home insurance premium. If you're OK with paying more out of pocket in the event of a claim, you'll save money by bumping up your property damage deductible from, say, $500 to $1,000. Some insurers offer a choice between a deductible and a percentage of your policy's dwelling coverage. In that case, you may choose whatever option makes your homeowners insurance more affordable, but understand that paying a percentage, rather than a set deductible, could potentially result in a large out-of-pocket amount if you have a claim.
3. Bundle home and motor vehicle insurance
Many insurers offer ways to get cheap home insurance by bundling with your auto policy. New customers who bundle homeowners and auto insurance with Progressive save over 20% on average.* Progressive also offers a multi-policy discount** for combining a boat insurance, motorcycle insurance, or RV insurance policy with home insurance.
4. Seize home insurance discounts
You can find a variety of discounts with many home insurers. Progressive, and our network of home insurance companies, makes it simple to accumulate savings and get cheap home insurance by offering home insurance discounts for things as easy as paying your policy in full, quoting in advance, and receiving your documents by email.**
5. Avoid claims
Your home insurance policy is there for you when things go wrong, but filing multiple claims can raise your rate because you're considered more likely to have another claim.
6. Adjust your home insurance coverages
There's no sense in paying for home insurance coverages you don't need. For instance, you may want to cancel the insurance rider on art or collectibles or jewelry and engagement rings that hasn't held its value. Lowering your liability limits may also lower your home insurance rate, but will likely only save you a small amount of money. Keep in mind, it may not be a good idea to eliminate extra protection like personal injury and water back-up coverages.
7. Upgrade security and minimize attractive nuisances
Getting cheap homeowners insurance also means checking with your insurer to see if they offer savings for security alarms, smoke detectors, camera monitoring, or any other safeguard that could deter a claim.
Home insurers view swimming pools, trampolines, tree houses, and other enticing backyard features as insurance risks. Attractive nuisances can be dangerous to visitors and children in your neighborhood, therefore putting you at risk for liability claims (if you have a swimming pool, make sure it's surrounded by a fence at least 4 feet high and locked).
8. Improve your credit score and insurance score
Your insurance score can be used by insurance companies in some states as a predictor of future insurance claims. A good insurance score and credit history makes you less of a risk to insurers and could result in a more affordable home insurance rate.
How much should my homeowners insurance cost?
Home insurance rates vary significantly based on many factors, including the type of home and roof, coverage selections, and claims history. Learn more about the average cost of home insurance.
New Progressive customers
Find more ways to get affordable home insurance by getting homeowners insurance online or calling 1-866-749-7436.
Current Progressive customers
Contact your home insurance provider to ensure you're maximizing all available discounts and getting the cheapest homeowners insurance.

Quote homeowners insurance online or call for advice
Learn more about home insurance policies.