Home Insurance Discounts In Jacksonville
Jacksonville’s home insurance rates may be high, however, there are multiple discounts available for homeowners to take advantage of. Consider these when discussing your options with your local agent, as they may save you money.
Your house could have features that make them eligible for a discount. These include:
New or renovated home discount. If your house has recently been constructed or renovated, then it could be eligible for a discount as they are less likely to fail.
Disaster preparedness discount. An area like Jacksonville is prone to storms. A discount may be offered to you if you are living here and are taking preventative measures to reduce risk of damage should a storm hit. These include implementing storm shutters, reinforcing doors, and adding shatterproof glass.
Safety and security discounts. Discounts may be offered to homeowners who apply 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. Your provider may offer a discount if you live close-by to fire-damage control resources, such as a fire hydrant.
Roof age discount. Roof repair costs are significant loss-leaders for home insurance companies. USAA offer discounts based on the age of your roof.
Military discounts. If you are actively in the military, retired from the military, or the spouse or child of a military member, you may be eligible for a discount.
Employment, organization, and association discounts. Home insurance companies may offer a discount for people working with certain industries, such as educators. You may also qualify if you are a union, organization, or professional association member.
Seniors or retirees. Some home insurance companies will offer a price break if you’re retired or over the age of 55 and working part-time. To be eligible for a discount, the home in question must be your primary residence, you must be over the age of 55, and work outside of your home for less than 24 hours a week.
Bundling discount. You may receive a discount for having several policies with the same home insurance provider.
You can also save money on your home insurance by increasing your deductible and keeping a good credit score.