In addition, several insurers require the deductible for the coastal areas of Westchester County. A hurricane deductible is usually expressed as a percentage of the insured value of your house. The Department requires insurers to also express it as a dollar amount on the declarations page of any policy to which it is attached. Discounts You should also check with your insurance company to see if they offer premium discounts for the use of dead bolt locks, smoke alarms, fire extinguishers, sprinkler systems and security systems. All of these devices minimize losses and in some instance, may deter them.
Some companies offer what is called a multi-policy discount.
If you purchase your homeowners and automobile liability policies form the same insurer, you may receive a small discount.