Your premium will vary according to your individual circumstances. How to Find the Best Rate Shop for the company and agent that offer the best service for the best price. Different companies charge different rates. Get quotes from several companies before you buy. Agents and Company Representatives Independent agents may represent several companies, while some agents represent only a single company or company group.
Some companies market their policies directly to consumers without using agents.
Deductibles You can save money on your premiums by increasing your policy deductibles. If you are offered a policy with a large deductibe consider whether you can afford to pay that amount for each claim you file. Discounts Can Save You Money You may qualify for discounts on your rates. A licensed fire protection system specialist must inspect your sprinkler system. You also should ask the company about optional discounts for the age of your home, your claims history, companion policies, and property insured to full replacement cost non-combustible roof, availability of a dry hydrant, or premises in good condition senior citizens personal property identification marking other fire prevention systems and security measures.