Rates & renewals
How to lower your home insurance premium
The safe ways to lower a homeowners premium are a higher deductible, bundling, documenting roof and system updates, protective devices, and an annual review. The unsafe way is cutting the dwelling limit below what it costs to rebuild.
Eight safe ways to save
Short answer: Deductible, bundle, roof, systems, devices, claims discipline, payment options, annual review.
- 1Raise your deductible
- 2Bundle with auto
- 3Document a new roof
- 4Document electrical, plumbing and heating updates
- 5Add monitored alarms and water shut-off devices
- 6Avoid small claims
- 7Ask about pay-in-full or automatic-payment options
- 8Review annually
Cuts you should never make
Short answer: Never lower the dwelling limit below rebuild cost, switch the roof to actual cash value without understanding it, or drop liability to save a few dollars.
Cheap and affordable aren't the same. See what drives home insurance cost.
Keep exploring
- Home insurance costWashington homeowners insurance cost depends on rebuild cost, location, roof, claims and deductible. See what moves the price and how to lower it safely.
- Home + auto bundleBundle home and auto insurance with a local Federal Way agent. When bundling saves money, when it doesn't, and how home + auto + umbrella work together.
- Home insurance deductibles, explainedHow home insurance deductibles work, flat vs. percentage deductibles, why earthquake deductibles are different, and how to choose the right deductible.
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