Stop Overpaying for Home Insurance

The average American overpays for home insurance by 15–20% simply because they don't shop around or ask for discounts. Here are 10 proven strategies that our CSRA clients use to keep more money in their pockets.

1. Bundle Your Policies

Combining your home and auto insurance with the same carrier typically saves 10–25% on both policies. This is the single easiest way to lower your premiums. Ask about adding an umbrella policy for even more savings.

2. Increase Your Deductible

Moving from a $1,000 to a $2,500 deductible can reduce your premium by 12–20%. Just make sure you have that amount saved in an emergency fund.

3. Improve Your Credit Score

In most states (including Georgia and South Carolina), insurers use credit-based insurance scores. Improving your credit from "fair" to "good" can save $200–$500/year on home insurance alone.

4. Upgrade Your Roof

A new roof (especially impact-resistant shingles) can reduce your premium by 10–35%. Some carriers offer additional discounts for specific roofing materials like metal or Class 4 impact-resistant shingles.

5. Install Security and Safety Devices

Common discount-eligible devices include:

• Monitored burglar alarm (5–10% discount)
• Smoke detectors and fire alarms (2–5%)
• Water leak sensors (2–5%)
• Deadbolt locks (1–2%)
• Smart home systems (varies)

6. Shop Every 2–3 Years

Insurance rates change constantly as carriers adjust their models. A carrier that was cheapest three years ago may not be today. As an independent agency, we can run comparisons for you annually at no cost.

7. Ask About Loyalty Discounts

If you've been with a carrier for 3+ years with no claims, ask about loyalty or claims-free discounts. Many carriers offer 5–15% but don't advertise it.

8. Review Your Coverage Annually

Circumstances change. Maybe your kids moved out, you paid off your mortgage, or you finished renovations. Each change could affect your optimal coverage level and premium.

9. Consider Actual Cash Value vs. Replacement Cost

Replacement cost coverage is more expensive but significantly better. However, for personal property, you might choose ACV for less valuable items to reduce your premium.

10. Use an Independent Agent

This is the most important tip. Captive agents (State Farm, Allstate, etc.) can only quote their own carrier. Independent agents like Total Quality Insurance compare 30+ carriers to find you the best rate. We've saved CSRA homeowners an average of $380/year by doing this comparison.

Find Out How Much You Could Save

Want to see your savings potential? Try our insurance calculator for a quick estimate, or get a personalized quote from our team. There's no cost, no obligation, and it takes less than 5 minutes.