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<p class="has-black-color has-text-color has-large-font-size">Shopping for homeowners insurance may seem confusing, but it's really a matter of picking from a menu of options to find the amount of coverage needed. The price paid for an insurance policy depends, in part, on the options chosen. To help you prepare, we're covering some of the basics of buying homeowners insurance.</p>
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<h2 class="has-black-color has-text-color has-extra-large-font-size" id="the-most-common-homeowners-insurance-discounts">The most common homeowners insurance discounts</h2>
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<p class="has-black-color has-text-color has-large-font-size">Homeowners need insurance. Mortgage lenders require it, and frankly, carrying insurance is the smart financial move. Another smart financial move is to refuse to pay more than needed for great coverage. To help policyholders land the best price, a home insurance provider will offer homeowners insurance discounts of all kinds, including:</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="new-home-discount"><strong>New home discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">When a person moves into a brand spanking new house, insurers assume that everything will be in decent shape. They worry less about the roof blowing off or water leaking into the family room. They also assume that the house has up-to-date safety features. Anyone who has just purchased a new home can insure it for up to 35% less than an existing home.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="senior-discount"><strong>Senior discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Insurers make some assumptions when it comes to homeowners over the age of 55. This includes that they have more time for maintenance and repairs. Whether the assumption is correct or not, most insurers offer special homeowners insurance discounts to people over the age of 55.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="bundling-discount"><strong>Bundling discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">When a person purchases their home, auto, and (possibly) life insurance from the same insurance company, it's called bundling. Companies love bundling and offer homeowners insurance discounts to those customers who take advantage of one-stop policy shopping.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="claims-free-discount"><strong>Claims-free discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">What an insurance company likes more than anything else is a customer who pays their premiums without making claims. If a homeowner has gone a number of years without making a claim, it's worth checking to see if they qualify for home insurance no-claims discount.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="loyalty-discount"><strong>Loyalty discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Because insurance is a business, insurers appreciate customers who stick around. If a homeowner stays with the same company for a certain amount of time, they are typically eligible for a loyalty discount. One caveat is that a home insurance provider may require those long-term customers to be claims-free for a specific number of years.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="impact-resistant-roof-discount"><strong>Impact-resistant roof discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Before a homeowner has a new roof installed, it pays to learn if an insurance provider offers any homeowners insurance discounts for impact-resistant roofs. While impact-resistant shingles can cost twice as much as standard shingles, they can pay off big for homeowners in areas prone to wind and hailstorms. Simply put, they stand up better to harsh weather and ultimately require less repair.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="security-system-discount"><strong>Security system discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Because security systems can reduce the chance of break-ins and monitored systems allow police to respond quickly, insurers offer homeowners insurance discounts to people who use monitored security to protect their property.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="hoa-discount"><strong>HOA discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Though Americans have a love/hate relationship with homeowners associations (HOAs), insurers adore them. That's because HOAs tend to demand high home maintenance standards, a fact that helps protect the value of the homes in the community. Because they have a vested interest in the condition of the properties they protect, insurers will often offer a discount to those homeowners.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="safety-discount"><strong>Safety discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Anything a homeowner can add to their property that provides an extra layer of protection is good in the eyes of insurance companies. Fire sprinklers, fire extinguishers on every floor, smoke detectors, carbon monoxide detectors, and fire alarms with central monitoring can all lead to a safety discount.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="non-smoker-discount"><strong>Non-smoker discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">From the years 2012-2016, smoking was the leading cause of fire deaths at home. For good reason, insurers hate fires. Homeowners who don't smoke may qualify for homeowners insurance discounts.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="new-customer-discount"><strong>New customer discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Everyone should conduct an insurance "check-up" at least once a year. That means making sure they always have the coverage they need and at the best possible price. If a homeowner does change insurers, they may earn a discount for doing so.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="professional-discount"><strong>Professional discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">Insurers routinely offer homeowners insurance discounts to particular professions, like active military members, educators, police officers and other emergency responders.</p>
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<h3 class="has-black-color has-text-color has-large-font-size" id="married-discount"><strong>Married discount</strong></h3>
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<p class="has-black-color has-text-color has-large-font-size">It may be 2021, but some insurers figure that anyone who is married must be more "settled" than a person who is single. That's why they'll discount home insurance quotes for those who are married. It may be an antiquated idea, but it's a discount worth exploring if you are wed.</p>
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<h2 class="has-black-color has-text-color has-extra-large-font-size" id="how-can-i-get-a-discount-on-homeowners-insurance">How can I get a discount on homeowners insurance?</h2>
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<p class="has-black-color has-text-color has-large-font-size">The average cost of home insurance in the U.S. is $2,305 per year, or $192 per month. Of course, homeowners with larger-than-average properties can expect to pay more. Every discount means more money to save or invest and every discount is worth exploring. If you're interested in how to get discounts on homeowners insurance, here are some of the best home insurance savings tips:</p>
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<ul class="has-black-color has-text-color has-large-font-size"><li>Shop around. Don't assume that all insurer's rates are the same or that they use the same criteria to determine rates. It's possible to save hundreds of dollars a year by switching.</li><li>Ask an insurance agent for all of the homeowners insurance discounts available through their company, no matter how small.</li><li>Take advantage of "obvious" discounts. For example, make sure there's a fire extinguisher on every floor, smoke alarms, carbon monoxide detectors, and other potentially life-saving equipment installed in your home.</li><li>Find out what each insurance provider considers an "attractive nuisance." An attractive nuisance is anything dangerous that may attract children and pose a health or safety risk. Examples of attractive nuisances are trampolines, swimming pools, bike or skateboard ramps, and treehouses. Even a large fountain filled with water or a koi pond could be considered an attractive nuisance. While foregoing these attractive nuisances won't earn you homeowners insurance discounts, having them will likely hike the rate of the homeowners insurance.</li><li>Raise the deductible. The more a policyholder is willing to pay as a deductible, the lower the policy rate.</li></ul>
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<p>To read the full article, <a href="https://www.fool.com/the-ascent/insurance/homeowners/discounts/">click here.</a></p>
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