Believe it or not, the overwhelming majority of homeowners in New York are paying a lot more for their homeowners insurance than they probably should be.
In fact, some of them are quite literally throwing away thousands and thousands of dollars each year – just because they were set up with the wrong New York homeowners insurance quotes and were misled to believe that they were getting a fantastic deal.
Luckily, you’ll be able to avoid most of that mess (and all of that headache) just by paying attention to the details that we have included in this quick guide.
Bad habits can increase your New York homeowners insurance rates
One of the easiest things that you can do (but something that a lot of people aren’t aware of) to reduce your New York homeowners insurance costs is to cut out bad habits completely.
Smokers are almost always going to be charged a higher fee when it comes to their New York homeowners insurance quotes and for good reason. Statistically they are much more likely to have fire related accidents in the home, and they pay a penalty because of it.
Give up smoking – and reported to your homeowners insurance company – and you’ll see your prices drop.
Hidden discounts aren’t included in New York homeowners insurance quotes (for the most part)
Hidden discounts aren’t usually advertised by home insurance companies for New York homeowners insurance quotes. Companies aren’t actively hiding them from their customers (they will disclose any and all discounts you qualify for if you ask them), but they aren’t exactly pushing these savings opportunities, either.
Ask your insurance agent (after you become a customer or when you are searching for New York homeowners insurance quotes) about these discounts and you might be surprised to learn that you qualify for many of them – and can instantly and dramatically reduce the amount of money you are spending on insurance right off the bat.
Make sure that you aren’t investing in extra coverage you wouldn’t need
Finally, it is always a good idea to verify that your New York homeowners insurance coverage provides you with an adequate and complete layer of protection, but not so much extra protection that you’re paying for protection elements you never would have the opportunity to leverage.
This happens a lot (especially when you receive your first few New York homeowners insurance quotes), but is pretty easy to manage and mitigate. Contact your agent to drop your rates.