Home Insurance Discounts In Asheville
Despite their high premiums, Asheville offers discounts for homeowners that are there to be taken advantage of. Listed below are discounts to be discussed with your agent. They are worth looking at as they could potentially save you some money.
Your home may have features that make it eligible for a discount, including:
New or renovated home discount. Newly built homes or those recently renovated are often eligible for discounts as they have more modern systems including plumbing and wiring, therefore are less likely to fail.
Disaster preparedness discount. Asheville can be prone to torrential weather, so your insurer could potentially offer a discount if you take steps to reduce the risk of damage. This includes installing storm shutters, reinforcing doors, and adding shatterproof glass.
Safety and security discounts. This applies to devices including smoke detectors, fire extinguishers, fire alarms, burglar alarms, sprinklers, water shut-off devices, and implementing deadbolts on exterior doors.
Proximity to a fire hydrant or fire department. Insurers may offer a discount if you live close-by to fire-damage control resources.
Roof age discount. Roof repair expenses are loss-leaders for insurers. Companies such as USAA offer discounts based on how old your roof is.
Military discounts. You could be eligible for a discount if you are an active military member, a veteran, or family of a military member.
Employment, organization, and association discounts. Your home insurance provider may offer a discount if you work within a specific sector, such as educators. Additionally, you may be eligible if you are a union, organization, or professional association member.
Seniors or retirees. Some home insurance companies offer a price break if you’re retired or over the age of 55 and working part-time. Usually, the house must be your primary residence, 55 and over, and work outside of your home less than 24 hours a week.
Bundling discount. You could receive a discount for having multiple policies with the same home insurance provider.
You could also save a bit of money on your insurance by raising your deductible and maintaining a good credit score.