Guide to Homeowners Insurance Discounts For Your New Home

Maximize Your Savings with Homeowners Insurance Discounts

Congratulations on your new home! Along with the excitement of homeownership comes the responsibility of protecting your investment. Homeowners insurance is a must, but it doesn’t have to be expensive. This guide will help you unlock valuable discounts to lower your insurance costs while ensuring top-tier coverage.

Top Strategies for Lowering Homeowners Insurance Premiums

1. Bundle Home and Auto Insurance

Many insurers offer significant discounts when you bundle your home and auto insurance policies. Bundling can lower your total insurance costs and simplify payments.

2. Install a Home Security System

Equipping your home with a security system, such as Kangaroo Home Security, can qualify you for premium discounts of up to 10%. Security features like motion detectors, doorbell cameras, and smart alarms reduce the risk of theft and damage, making your home safer and more insurable.

Pro Tip: Check with your insurer to confirm which security upgrades qualify for discounts.

3. Increase Your Deductible

Opting for a higher deductible reduces your monthly premiums. Ensure the deductible amount is manageable in case of a claim.

4. Upgrade to an Impact-Resistant Roof

Homes with impact-resistant roofing receive lower premiums, especially in areas prone to hail or windstorms. Consult your insurer to see if this upgrade qualifies for savings.

5. Maintain a Claims-Free Record

Staying claim-free for three to five years can make you eligible for loyalty discounts. Homeowners who avoid frequent claims are viewed as lower risk by insurers.

6. Enhance Home Safety Features

Installing smoke detectors, fire alarms, and sprinkler systems can earn you an additional discount of up to 10% on your premiums.

7. Improve Your Credit Score

A higher credit score can positively impact your insurance rates, as insurers use credit-based scoring to determine risk levels.

8. Take Advantage of Retirement Discounts

If you’re retired, you may qualify for special discounts. Retirees are home more often, reducing the likelihood of burglaries and other risks.

9. Pay Your Premium Annually

Paying your insurance premium in one lump sum instead of monthly can sometimes result in savings due to reduced administrative costs.

10. Ask About Unlisted Discounts

Some discounts aren’t widely advertised. Always ask your insurance provider about additional ways to save.

Regional Discounts for Weather-Resistant Upgrades

Homeowners in storm-prone areas can benefit from specialized discounts by installing hurricane-proof windows, reinforced doors, and other protective measures.

Best Home Insurance Providers for Discounts

Here are five well-regarded home insurance providers:

Save More with Kangaroo Home Security

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Installing security systems is a proven way to qualify for home insurance discounts and reduce homeowners insurance premiums. By equipping your home with advanced security measures, you significantly lower the risk of theft, vandalism, and other potential damages, making your home safer and more secure.

One effective and affordable choice for home security is Kangaroo Home Security. Kangaroo offers a range of easy-to-install security products, including motion sensors, door and window sensors, doorbell cameras, and security cameras, all of which can be controlled and monitored via a smartphone app. These devices not only enhance your home’s security but also provide peace of mind, knowing that you can monitor your home remotely.

By choosing a comprehensive security system like Kangaroo, you can:

Deter Intruders: Visible security devices such as cameras and sensors can discourage potential intruders, reducing the likelihood of break-ins.
Prompt Alerts: Receive instant alerts on your smartphone if any suspicious activity is detected, allowing you to take immediate action.
Lower Insurance Costs: With a robust security system in place, insurers are more likely to offer insurance discounts, helping you save on your home insurance costs.

Incorporating a security system from Kangaroo can be a smart move not only for protecting your home but also for reducing your homeowners insurance premiums. Always check with your insurance company to understand the specific discounts available for installing security systems and ensure you maximize your savings.

How to Choose the Best Homeowners Insurance Company

What our customers say about Kangaroo:

Extremely Pleased with my Purchase!
“Have two Motion Senor's + Entry. One on my front and back door. Very easy for me to install myself. I'm 65 and a WOMAN. Not a problem. They are working well. The only disappointment I have is that I spent many dollars for couple years with a security service that was lousy and I wish I'd of discovered Kangaroo sooner. So it's a valuable product at a very reasonable price, customer service is spot-on friendly, and provides priceless Peace of Mind security. What else could you want?” - Gigi, Amazon Verified Review
Coming from ADT, this blew me away
“Bought this coming from ADT. This is incredibly easy to set up, customizable, and way more convenient than our ADT was. The notifications come instantly to your phone. The entry sensors have motion sensors built in them, the siren has a built-in smoke detector listener that ive already tested and works. We were able to put a temperature sensor in our babys room and set parameters to notify us if its above/below x temp. I can't even express how far this has exceeded my expectations.” - Vicky, Amazon Verified Review
Excellent SYSTEM
“I usually don't'write reviews, but in the case I want to congratulate the brand for this excellent product. I can't imagine it could be easier to set a complete system in minutes, everything works like a charm, connects in seconds, works perfectly and LOOKS NICE! ... even the boxes, the packages, instructions and every little detail is awesome. Do not hesitate to buy this system.” - Enrique, Amazon Verified Review

Kangaroo's Dory Insurance Concierge

At Dory Insurance Concierge Service, we prioritize maximizing your home insurance benefits and savings.
Kangaroo Home Security will contact your insurance carrier provider directly to verify eligibility for home insurance discounts.
By installing Kangaroo’s advanced security systems, you can potentially lower your homeowners insurance premiums.
This proactive approach ensures that your home’s security upgrades are recognized, offering both peace of mind and financial savings.

Securing your new home with the right insurance coverage doesn't have to be daunting or expensive. By exploring the array of insurance discounts available from bundling home and auto policies to installing advanced security systems like Kangaroo, you can protect your investment while saving on premiums.

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FAQs on Home Insurance Discounts

Common discounts include bundling policies, security system installation, claims-free records, and weather-resistant upgrades.
Bundling can reduce premiums on both policies, simplifying management and cutting costs.
Yes! Installing security systems like Kangaroo can result in discounts, as they reduce theft risk.
These roofs are designed to withstand severe weather, reducing the likelihood of claims and leading to insurance discounts.
Contact your insurer and provide documentation, such as proof of security system installation or home upgrades.