No consumer enjoys paying more than they have to, which is why comparing Ohio home insurance quotes is the best way to find the most reasonably priced coverage. By looking at the different offerings and discounts of a handful of carriers, you’ll be able to see which offers you the best fit.
Find the best home insurance fit for you
Fit depends on circumstances. Often, a wide variety of discounts are offered. It’s up to you to find the discounts that apply to your situation and that make up the best possible policy and price for your needs.
Insurers look at your risk profile—the likelihood of your filing a claim—and determine how desirable a customer you are to them. But different companies may look at you differently. That’s why you will see a wide variation in premium pricing for the very same coverage.
It would help to know a little about discounts. Two big ones usually apply. One is for bundling—combining—all your policies with one company. Carriers desire your business and they will give you an incentive for delivering it all to them. The second big discount is for home security systems. If you have one, you are in luck. They do reduce risk of burglary and therefore they reduce the risk of your filing a claim.
Home insurance and customer loyalty
Other discounts include one for sticking with your longtime carrier—a customer loyalty discount. It is also possible to find a new customer discount. Each discount means dollars off your annual premium. Which, by the way, might be discounted more if you set up an automatic payment system.
Renovations can count in your favor, too, if they affect risk. If you re-do the wiring in your dwelling, you may find a discount. The same is true of replacing old plumbing. A new roof, especially if it is impact-resistant technology, will qualify you for discounts.
If you have a clean credit record and a clean claims history, it works in your favor as far as pricing, too. These are factors that have been shown to reduce the risk of filing a claim.
The business is competitive and carriers are vying for your business. By seeking out every possible discount, you are letting that work in your favor to reduce your premium and make coverage more affordable than you imagined.