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10 Ways To Reduce Your
Minnesota Homeowners Insurance!

  1. Shop Around:
    Compare homeowners insurance quotes. There is always a difference in price between homeowners insurance companies. What one insurance company considers a high insurance risk, another homeowners insurance company may not view it as the same. By shopping around you get to compare insurance quotes to determine which is the best coverage for the lowest cost.

  2. Shop on the Internet:
    Most homeowners insurance providers now offer good discounts for quoting the policy over the Internet. By shopping for your homeowners insurance online, you are saving the insurance company money. This saving is then passed on to you in the form of a discount for buying homeowners insurance online.

    For a Free homeowners insurance quote apply online by selecting the link below
    Minnesota Homeowners Insurance Quote

    Click Here to learn more about a
    Homeowners Insurance policy

  3. Choose a higher deductible:
    To reduce your homeowners insurance premium, it is best advised to increase the deductible. Your homeowners insurance premium may decrease if you increase the deductible from $500 to $1000 on your homeowners insurance policy.

  4. Multiple insurance Same provider: If you consolidate your homeowners insurance and auto insurance with one homeowner insurance company, expect a premium reduction. This also means you are making one payment for all your insurance needs.

  5. Home security improvement:
    All homeowner insurance companies will offer you a discount for burglar alarms and smoke detectors. Homeowners with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their homeowners insurance premiums.

  6. Construction type:
    The construction type of your home is an important part of determining your homeowners insurance premium. A wood frame home will cost more to insure than the one built mostly of concrete.

  7. Fire station location:
    If you live less than 5 miles from the nearest fire station and less than 1,000 feet from a fire hydrant, you can expect a lower premium on your homeowners insurance policy. Make your insurance company aware of your location to the above-mentioned, and expect a lower homeowner insurance premium.

  8. Discount for non-smokers:
    Some homeowner insurance companies will offer a non-smoker discount. Check with your homeowner insurance company if they offer a non-smokers discount.

  9. Claims free record:
    If you have not had a claim under your current homeowners policy for the past 3-5 years, you should receive a discount.

  10. Shopping on the Internet:
    This is not a mistake. The best way to save is to surf the web and compare prices. This is why it has made its way on our top ten ways to save list twice.

Take the time to get the best homeowners insurance prices now. Compare Quotes and speak to the experts in homeowners insurance in Minnesota.

For a Free Homeowners Insurance Quote apply online by selecting the link below
Free Homeowners Insurance Quote

Ramsey County Insurance offers Homeowners Insurance in the following Minnesota towns: Arden Hills MN, Dellwood MN, Falcon Heights MN, Gem Lake MN, Lauderdale MN, Lino Lakes MN, Little Canada MN, Maplewood MN, Mounds View MN, New Brighton MN, North Oaks MN, North St. Paul MN, Roseville MN, Shoreview MN, St. Paul MN, Vadnais Heights MN, West St. Paul MN, and White Bear MN.

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