| After climbing steadily for several years, | | | | * Senior citizen discounts |
| homeowners insurance rates in Phoenix seem to | | | | * Multiple policy discounts |
| settling down. In fact, some companies are | | | | * Non-smokers discounts |
| lowering premiums by as much as 24 percent. | | | | * Discounts for safety features such as |
| Follow these tips to keep your Phoenix | | | | deadbolts, smoke detectors, fire extinguishers, |
| homeowners insurance rate as low as possible. | | | | and sprinkler systems |
| Plan Ahead | | | | * Discounts for alarm systems |
| If you're purchasing a home, planning ahead can | | | | Ask your insurance professional if you qualify for |
| help you save on homeowners insurance later. For | | | | these discounts and if there are any other |
| example, your insurance rate is affected by the | | | | discounts you qualify for. |
| location of the home you buy, especially if it is in | | | | Shop Around |
| an area with high property crime rates. Mold | | | | One of the best ways to save on your |
| claims also affect the rate, so you want to make | | | | homeowners insurance is to shop around. By |
| sure previous homeowners have not had | | | | taking the time to compare prices, you can make |
| problems with mold. | | | | sure you're getting the best rate possible for your |
| Raise Your Deductible | | | | Phoenix homeowners insurance. |
| Set your deductible as high as you can - the | | | | Shopping around is fast and easy if you go to an |
| higher your deductible, the lower your premium. In | | | | insurance comparison website. On such a website |
| addition, a higher deductible will keep you from | | | | you will spend just a few minutes typing in your |
| making too many claims, which can increase your | | | | insurance information. Then, multiple A-rated |
| premium rate. | | | | insurance companies will give you quotes. On the |
| Ask about Discounts | | | | best insurance comparison websites you can even |
| Insurance companies usually offer discounts that | | | | talk with insurance professionals and get answers |
| lower your insurance premium. Common | | | | to your questions (see link below). |
| homeowners insurance discounts include: | | | | |