How to Lower Your Home Insurance Rates

Prevent unnecessary home insurance rate increases with AAA.

In the coming months, many Ohioans may notice an increase in the amount they pay for home insurance. That’s because it now costs more to replace homes after disasters, due to rising lumber and labor costs.

While home insurance is well worth the price of knowing you are protected if and when you need it most, with rising insurance rates, it can still take quite a toll on your wallet. That’s why AAA Ohio Auto Club Insurance Agency offers you advice to keep your rates at a minimum so you don’t spend more than you need to. See these tips that can help lower your home insurance rates today.

Get Your Home Reviewed

“It’s good to talk with your agent and review your home insurance every 18 months or so, and especially after you’ve made any material changes to your home,” said Ed Conley, director of insurance and financial services for AAA Ohio Auto Club. “In 2020, home renovation and hardware stores saw dramatic increases in purchases for home improvement projects. If you upgraded your home in the last year, we recommend having a 15-minute conversation with your insurance agent to make sure you have the right coverage and don’t miss out on discounts you qualify for because of the updates.”

Be Proactive

Being proactive about repairs to your home can help save you big time on costly damages. Some good preventative measures to consider include:

    • Cleaning out your gutters
    • Inspecting your sump pump and purchasing a battery backup
    • Routinely checking smoke detectors and replacing them as needed

Take Advantage of Discounts

There are often many discounts available for insurance holders to help lower the cost of insurance rates. Look at seeing where you can save with discounts on items such as:

    • Security systems
    • Fire alarms
    • Smart sensors to detect water or gas leaks
    • Paperless billing
    • Multi-policy discount: Insure your auto and home with the same company

Look at all of the Options

Is your current insurance company overcharging you on home insurance? Compare plans and request a quote from multiple insurers to make sure you’re on the plan that’s best for you.

With these tips, you can feel confident that you’re only spending where you need to. For additional insurance information, visit

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