--- title: 8 Quick Ways to Cut the Cost of Homeowners Insurance description: These simple, money-saving strategies should help cut the cost of your homeowners insurance. Here are 8 quick ways to cut the cost of homeowners insurance. image: https://blog.homesandland.com/hubfs/8-quick-ways-to-cut-the-cost-of-homeowwners-insurance%20(1).jpg --- [![Homes & Land](https://blog.homesandland.com/hubfs/Images/hnl-logo.svg)](https://www.homesandland.com/) - [Homes](https://www.homesandland.com/homes) - [Rentals](https://www.homesandland.com/rentals) - [Agents](https://www.homesandland.com/agents) - [Commercial](https://www.homesandland.com/commercial) - [Open houses](https://www.homesandland.com/open-houses) - [Land](https://www.homesandland.com/land) - [Mortage](https://www.homesandland.com/mortgage) - More [Rentals](https://www.homesandland.com/rentals) [Agents](https://www.homesandland.com/agents) [Commercial](https://www.homesandland.com/commercial) [Open houses](https://www.homesandland.com/open-houses) [Land](https://www.homesandland.com/land) [Mortage](https://www.homesandland.com/mortgage) - [Log in](https://www.homesandland.com/account) - [Blog](https://blog.homesandland.com) - [Advertisers](https://advertise.homesandland.com/advertise) [How a Realtor Makes Home Buying Easier](https://blog.homesandland.com/how-a-realtor-makes-home-buying-easier) Buying a home is one of the most significant financial decisions you’ll ever make, but the process... 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If you can afford to pay, say, $1,000 out of pocket and would prefer not to report small claims to an insurer anyway, set your deductible accordingly. 1. ### Double up policies Companies that sell both home and auto insurance will often reduce premiums for customers who buy two or more policies. 1. ### Improve the place Your insurance cost may drop if you make a home more storm resistant by adding storm shutters, impact-resistant windows or upgraded roofing. Check with an agent about improvements that would qualify for discounts. Overall, a well-maintained home in which aging systems have been modernized presents less insurance risk, so keep receipts when you have work done and be absolutely certain that any project requiring a permit has one. Home improvements, especially those that improve safety, can lower insurance premiums. ![](https://blog.homesandland.com/hubfs/Untitled%20design%20(61)-png-jpg.jpeg) 1. ### Leave out the land Remember that insurance pays toward rebuilding the structure, not the land, and adjust coverage accordingly. 1. ### Mind your credit Your credit history can have a direct impact on how much you pay for an insurance policy. Better credit equals better rates. Specific home elements such as security systems and smoke detectors can allow you to claim breaks on your insurance. 1. ### Claim a break Most insurers offer discounts for devices that mitigate risk, such as smoke detectors and monitored home security systems. Even something as simple as a dead-bolt lock can earn credit. 1. ### Limit liabilities Significant liability risks such as trampolines, pools and tree houses may increase policy cost or simply be excluded from coverage. When there’s a pool, it’s common for an insurer to require safety features such as a fence before offering a policy. 1. ### Beware of the dog If you own a dog deemed risky, insurers may decline to cover dog bite liability as part of a regular homeowners insurance policy. Homes & Land is your local real estate resource! Find [real estate for sale](https://www.homesandland.com/) and [top real estate agents in your area](https://www.homesandland.com/sitemap/agents) today!   Learn something new? Want to pass an idea to a friend? 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