If you own a home in Westchester County, New York, you know this can be expensive. Here at DGA Insurance Agency, Inc. we love our customers and that’s why we looked up the Top 10 Homeowner’s Discounts - make sure you have on your policy today!
Multi- Policy Discount
This discount can range from 15 to 25 percent depending on your insurance carrier. Insure your home with the same insurer as your auto. The multi-policy discount generally applies to both the auto and home policies.
New Home Buyer
Up to 10% with most carriers when you have purchased the property within the last year as a new buyer.
Alarms – Fire and Theft
· Central – Alarm is monitored by a company
· Direct – Sends signal to fire station or police station
· Local – Alarm sounds at residence
Theft Protective Devices
Deadbolts and local alarms
Fire Protective Devices
Discount applies when you have smoke detectors, fire extinguishers and sprinkler systems.
Customers whose homes were built less than ten (some twenty) years ago may qualify for a newer home discount on their homeowner’s policy. Often times, when you update your homes electric, roof, heating system or plumbing discounts can apply too.
Living in a neighborhood that has an extra level of security such as a neighborhood watch or gated entrance can help you save money because there’s less chance that your home will be burglarized. Insurance companies like it when you take steps to thwart thieves.
Pay In Full
Some homeowner's insurance companies offer a discount when you pay your policy in full. It's a win-win: they don't have to bug you for money multiple times, and you don't have to pay installment fee's.
According to the National Fire Protection Association, 17,600 house fires were caused by smoking in 2011. Insurance companies really don’t like fire, so they may have some savings for people who don’t smoke.
Are you Retired?
Insured’s who are older than 50 can receive this discount if you are retired or working from home