There are many different ways in which you can save on your home owner insurance premiums. Raising your policy deductible can save you as much as 25% on premiums. Another way to save is to combine your home owners and auto insurance policies with the same company, and they will give you a discounted rate. It is not necessary to purchase insurance for coverages that you do not need. For example, if you do not live in an earthquake zone, you do not need coverage for earthquake damages. Many consumers are unaware that insurance companies use credit scores to determine premiums. So, improve your score if it isn’t already at least 720.

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