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The Villages from the AirThe average home price in The Villages, Florida is around $250,000, according to Zillow.

You will likely seek to occupy your home for a long time. There is a chance you will take out a loan with your bank to help pay for the home. In many cases, a home loan requires you to carry homeowners insurance. It is in the best interests of any homeowner to carry insurance regardless of loan status.

Florida homeowners pay, on average, about $1,400 to $1,500 per year for coverage, according to ValuePenguin. The cost may seem high, but it isn't set in stone.

When buying your home insurance, talk to your agent about the ways you can save money on your policy. Your agent can ensure that you won't cut coverage, but will save on costs.

1. Raise Your Deductible


Your deductible is your financial responsibility for home insurance claims. You must pay the amount of your deductible before your home insurance pays the rest of your claim. For example, your deductible might be $10,000. What if your home sustains damages valued at $20,000? You will have to pay the $10,000 deductible and the insurance company will pay the rest of the $10,000 left on the claim.

If you raise your deductible, it makes you less of a risk to your insurance company. The company might reduce your insurance payments because of this lesser risk.

2. Bundle Your Insurance Coverage


Carrying, or bundling, insurance policies with the same company might help you save. Many insurance companies often reward multi-policy customers with discounts.

3. Seek Insurance Discounts


Responsible customers can often save money through company discounts. Discounts might relate to your reliability as a customer and your responsibility towards your home. They may include:

  • Discounts for retirees
  • Automatic payments discounts
  • Non-smoker discounts

4. Maintain a Safe Home


One simple way to save on your home insurance is to keep your home safe. By adding safety features, you can often increase the home's value and save on your home insurance.

For example, installing a security system is a great way to maintain the home's safety. It could very easily protect the home from theft. Also, updating the home's compliance with building codes and making structural improvements means that you increase the home's stability. Doing so makes the home stronger. These factors could thus reduce home insurance risks.

With the right attention to your home and your insurance, your life in The Villages will be ideal. The best way to start saving is to talk to your insurance agent about the options available to you.

Ahrens Insurance Agency has your needs in mind. We represent 10 home insurance companies and can help you find the best value on your coverage. Call us at (352) 368-7090 for a free The Villages home insurance quote.
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