Fortunately, Mountain Home Idaho experiences little in the way of natural disasters - no tornadoes, earthquakes, hurricanes and floods are limited to the occasional gully washer. Still, nearly every real estate transaction requires a homeowners' insurance policy (and you'd want it anyhow) so let's take a look at several ways of minimizing its cost and maximizing its value to you.
Nine Ways to Lower Your Homeowners Insurance Premiums
1. Increase your deductible. If you can afford to pay more toward a loss, your premiums will be lower.
2. If you buy your homeowner's and auto policies from the same insurer, you'll usually qualify for a discount.
3. Make your home less susceptible to damage. Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area.
4. Enhance your home's security. Install smoke and carbon monoxide detectors, burglar alarms and dead-bolt locks. All of these will usually qualify for a discount.
5. Be sure you insure your house for the correct amount. Remember, you're covering replacement cost not market value
6. Specifically ask your insurance agent about other discounts that you might qualify for. For example, retirees who are home more than working people may qualify for a discount on theft insurance.
7. Ask for multipolicy discounts. Look into purchasing home insurance from the same company that insures your automobiles. Doing save may result in a significant saving.
8. Put those membership dues to work. Many affinity groups (e.g., AARP, Knights of Columbus, Elks, etc.), offer insurance programs to their members at reduced rates.
9. Review your policy limits and the value of your home and possessions annually. Some items of personal property depreciate and may not need as much coverage.
Contact Us for information on local insurance providers and other ways to make your insurance dollar stretch farther.
CENTURY 21 Southern Idaho Realty 1135 West 6th South PO Box 824 Mountain Home, ID 83647 (208) 587-9021 Email Us
It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status or national origin
CENTURY 21 Southern Idaho Realty is Licensed in the State of Idaho
3. Make your home less susceptible to damage. Keep roofs and drains in good repair. Retrofit your house to protect against natural disasters common to your area. 
