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Reducing Homeowners Insurance Premiums5 ways to save on Homeowners insurance
  1. Purchase all your policies with Farmers
  2. Ask a Farmers agent about our insurance discounts
  3. Raise your deductible
  4. Make your home safer
  5. Don't smoke
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5 Ways to Save on Homeowners Insurance

  1. Make your home safer

    Homeowners who guard against theft, accidents and other losses can often get lower insurance rates and policy discounts. Here are some things you can do to help qualify for lower Homeowners insurance premiums:

    • Secure your home with dead bolts and window locks
    • Install a security system with an outside signal and connection to local police
    • Install and maintain smoke detectors
    • Install a fire alarm that automatically alerts the local fire department
    • Keep walks and entrance ways clear of snow and ice
  2. Don't smoke

    Non-smokers generally will qualify for lower Home insurance premiums than smokers. Farmers also offers a discount on Home insurance if all members of the household have not smoked in the past two years. 

  3. Purchase multiple Farmers policies

    Enjoy the convenience of one-stop shopping and save. Insure your cars or any recreational vehicles along with your home and you'll get an insurance discount on all of your policies. Also, Home insurance policyholders that also have Farmers Life insurance will also receive a discount.

  4. Ask about additional discounts

    Ask your Farmers agent about the discounts available in your state. Some common discounts include Multi-Policy, New Roof and Professional discounts for Teachers, Engineers, Law Enforcement and more.

  5. Raise your deductible

    A deductible is the amount of a covered loss you agree to pay before the benefits of your policy are applied. In many cases, a higher deductible could mean a lower premium, but would also mean paying more out-of-pocket in the event of a loss.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.