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If you are an average American home owner, chances are you are paying more for your homeowners insurance than you need to. Most insurance companies have their agent or another representative, often a third party company that specializes in gauging insurance risk, check out your home and property. This inspection is often completed without your knowledge, or even while you are away.

Big white houseMost insurance agents won’t tell you what you can do to get a better rate on your homeowners insurance because they are paid on a percentage basis. So, for them, the more you spend on homeowners insurance, the better. They don’t even need to fear competition, because the things which insurance companies charge more for are fairly universal.

Here are some simple things you can do to save money on homeowners insurance:

  1. Remove all knob and tube wiring. If you have an older house, you might have some of this old fashioned wiring still in the basement, often because a contractor never took it down when the home was rewired. If your house is still actually using knob and tube, call an electrician and have it replaced right away. It presents a fire hazard. Even if it’s not functional, though, an insurance company can rate you simply for having it still hanging there.
  2. Cut down all trees near the house. If you really must have trees close to the house, at least make sure that no branches are touching the house, especially the roof. Better yet, make sure that no trees are even overhanging the roof, as insurance companies will charge you more because of the danger of storms knocking the limbs down.
  3. Keep all wood piles away from the house. Also clear out any brush or dry vegetation close to the house.
  4. Don’t keep old cars or appliances close to the house. This may sound crazy that we even need to mention it, but you’d be surprised how many houses keep old appliances and cars around the yard. If you must keep such things (to sell for scrap or whatever), at least put a fence around them.
  5. Fence in any pools or trampolines. Insurance agents lick their chops when they see these things left unlocked, because your insurance is going to cost you more.
  6. Make simple repairs. Don’t let things like broken windows, cracked sidewalks, or missing shingles or siding go unattended. This makes insurance companies believe you are more likely to need to make claims in the future, which means they will charge you more for your homeowners insurance.
  7. Call Morin Agency to discuss your New Hampshire homeowners insurance options at (603) 875-1200, we can compare rates and coverages and save you some money!


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