Home Insurance tips
Do you stop at the time of renewing your existing insurances policies?

1. Most likely, you don't. So the first tip (and the most efficient) is to shop around. You should take some time to get the rates of competing companies; sometimes you can save hundreds of dollars by doing that.

2. Raise your deductible: Usually if you double your deductible for example from $200 to $400 you could save 12%.

3. Home security: you may get discounts if you have burglar alarm, smoke detectors, etc'.

4. Life insurance coverage: Another thing that you might forget to update is your life insurance. If your children are already grown up, you may lower your life insurance protection.





Car Insurance tips:
The first two tips are the same of home insurance tips:

1. Rates of competing companies: just shop around, it might take some time but most likely it will be worth the effort (can save hundreds of dollars).

2. Higher deductible: doubling your deductible may lower your annual payments by more than 10%.

3. Low Mileage: you may get discounts if you don't drive your car too much, ask for discount if it is relevant for you.