Serving Idaho, Utah, and Wyoming

Talk to an expert:  208-522-5151   |

Our Top 10 Secrets for Saving on Home Insurance

by | Feb 11, 2022

Saving on home insurance is crucial for homeowners looking to protect their investment without breaking the bank. With so many options and factors, finding the best deal can be challenging. Fortunately, we’ve compiled ten secrets to help you save on home insurance, and independent agencies like Page Insurance can guide you every step of the way.

1. Get the Right Type of Policy!

Understanding Home Insurance Policies

Homeowners’ insurance policies can be complicated, with at least eight different types and numerous coverage options and exclusions. To ensure you’re getting the right policy for your needs, work with an insurance professional like those at Page Insurance. They’ll help you find the perfect policy tailored to your specific situation, whether for a house, condo, or another property type.

2. Understand Coverage Options

Key Coverage Components

Most homeowners policies offer the following coverages:

  • Damage to the house
  • Damage to other structures
  • Damage to personal property
  • Additional living expense
  • Personal liability
  • Medical expenses of others

However, the extent of coverage for each component can vary between policies. Page Insurance experts can help you navigate these options, ensuring you get the best coverage at the lowest possible rates.

3. Prioritize the Big Stuff

Instead of focusing on small claims, prioritize coverage for incidents that could have a significant financial impact. Consider raising your deductible to free up funds for increasing your liability or building limits. This strategy enables you to get more essential coverage while reducing costs on less critical aspects.

4. Bundle or Separate Policies

While bundling policies (such as auto, home, and life insurance) can result in substantial savings, sometimes it makes more sense not to bundle. Page Insurance will shop each policy separately and in bundles, determining the best combination for your unique situation.

5. Eliminate High-Risk Factors

Reducing risks can lower your insurance premiums. Consider addressing the following high-risk factors:

  • Aggressive dog breeds
  • Swimming pools, trampolines, or other injury-causing items
  • Poor property maintenance

Page Insurance can help identify these factors and guide you in deciding whether to address them for potential savings.

6. Improve Your Credit Score

Insurance companies often factor in credit scores when determining rates. While some companies weigh credit more heavily than others, improving your credit score can lead to better rates.

7. Maximize Discounts

Discounts can vary by company, but common ones include:

  • No smokers in the house
  • Recent home purchase
  • Automatic premium payments
  • Paperless billing
  • Specific career types
  • Security systems
  • Safety features

Page Insurance will help you find all available discounts and determine the best overall value for the coverage you need.

8. Invest in Home Improvements

Specific home improvements can lower insurance premiums:

  • Replacing the roof
  • Updating electrical systems
  • Updating plumbing systems
  • Updating heating systems

Maintain your home, and remember that insurance is for accidental and sudden damage, not wear and tear.

9. Understand What’s NOT Covered to Manage Expenses

Homeowners’ policies don’t cover everything. Familiarize yourself with exclusions like earthquake or flood coverage to avoid surprises when filing a claim. By understanding what is not covered, you can make informed decisions on adding specific coverages or taking preventive measures to minimize potential damages. This awareness can help you better manage your overall expenses related to home protection and ensure you’re getting the most value out of your policy.

10. Be Strategic with Claims

Avoid filing small claims, as they can increase your premiums. Instead, consider home insurance for more significant incidents that are harder to handle personally.

Bonus: Goldilocks Your Shopping Cycle

Shop insurance companies every three years to maximize loyalty discounts without missing out on better deals. Page Insurance can assist you in evaluating your options at each shopping cycle.

Saving on home insurance doesn’t have to mean sacrificing coverage. By following these ten secrets and working with an independent agency like Page Insurance, you can find the best coverage at the most competitive rates. Remember, the key is to strike a balance between securing essential coverage and finding opportunities to save. Our team of experts is here to help you navigate the insurance market and ensure you’re well protected without breaking the bank. Don’t hesitate to reach out to Page Insurance for assistance with all your home insurance needs, and start experiencing the benefits of our personalized approach today.

Discover your Best Deal here – it’s easy and fast. Zero pressure – do things at your speed.


John Page, President of Page Insurance, has been a driving force in the insurance industry since 1998. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the clients in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, and traveling with his wife and three kids, who are the loves of his life. John is a big hockey fan who loves rooting for the local Idaho Falls hockey team.