Home Insurance Discounts In Concord
Despite the high rates, a number of Concord’s insurers offer discounts to homeowners. Be sure to discuss these discounts with your agent, as they could save you money.
Your home may have features that make it eligible for a discount. These include:
New or renovated home discount. If your home has been built or renovated recently, it could be eligible for a discount as materials used are less likely to fail.
Disaster preparedness discount. For cities that often see severe weather, a discount may be offered if you are taking preventative steps to reduce risk of damage caused by a storm. These include adding storm shutters, reinforcing doors, and adding shatterproof glass.
Safety and security discounts. Discounts could be offered to residents who add smoke detectors, fire alarms, burglar alarms, water shut-off devices, fire extinguishers, and deadbolts on exterior doors.
Proximity to a fire hydrant or fire department. Companies may offer a discount if you live close-by to fire-damage control resources.
Roof age discount. Roof repair costs are significant loss-leaders for home insurance providers.
Military discounts. If you are an active military member, retired from the military, or family of a military member, you could be eligible for a discount.
Employment, organization, and association discounts. Home insurance providers could offer a discount for people working within certain sectors, including education. You may also be eligible for a discount if you are a union, organization, or professional association member.
Seniors or retirees. Some home insurance providers will offer a price break if you’re retired or over the age of 55 and working part-time. To be eligible to apply for a discount, the home you’re wanting to insure must be your primary residence, you must be 55 or over, and work outside of your property for less than 24 hours per week.
Bundling discount. You may be eligible for a discount if you have several policies with the same provider.
You can also save money on your home insurance by increasing your deductible and maintaining a good credit rating.