Buying a home is one of life’s biggest investments—and protecting it shouldn’t break the bank. The good news? You can get a great deal on home insurance without cutting corners on coverage. At Eugene C. Yates Insurance Agency, we’ve been helping Sacramento homeowners save on home insurance since 1946.
Here’s how you can make sure you’re getting the best value on your homeowners policy.
🛒 1. Shop Around and Compare Quotes
Not all insurance companies charge the same. In fact, two insurers might offer very different premiums for the exact same coverage.
Pro Tip: Work with an independent agency like Eugene C. Yates Insurance. We compare quotes from multiple top-rated carriers for you—all in one place—so you get the best rate with none of the legwork.
🧾 2. Bundle Your Policies
Bundling is one of the easiest ways to save. Combine your home insurance with auto, life, or umbrella insurance to unlock multi-policy discounts—sometimes up to 25% off your premium.
📉 3. Raise Your Deductible
A higher deductible typically means a lower monthly premium. If you can afford a slightly larger out-of-pocket expense in the event of a claim, this is a smart way to save over time.
Example: Raising your deductible from $500 to $1,000 could cut your premium by 10–20%.
🛡️ 4. Improve Home Security
Insurance companies love secure homes. Adding safety features like:
- Burglar alarms
- Deadbolt locks
- Smoke detectors
- Water leak sensors
…can result in discounts on your premium. Some companies even offer lower rates for homes with smart security systems.
🧰 5. Maintain Your Home
Keeping your home in good condition not only prevents damage—it can also reduce your risk level in the eyes of insurers. Consider:
- Replacing old roofs
- Upgrading plumbing and electrical systems
- Addressing structural issues early
These improvements may help you qualify for lower rates or additional coverage discounts.
💳 6. Keep Your Credit in Check
In many states, including California, insurers use your credit score to determine pricing. A good credit history shows you’re financially responsible, which can translate to lower premiums.
📅 7. Review Your Policy Annually
Your needs change over time—so should your insurance. Reviewing your policy each year ensures:
- You’re not overpaying for outdated coverage
- You’re taking advantage of new discounts
- Your coverage reflects recent home upgrades or renovations
💡 8. Ask About Every Discount
Many homeowners are surprised to learn they qualify for discounts like:
- Claims-free discount
- Loyalty discount
- New home discount
- Senior or retiree discount
- Paperless billing and auto-pay incentives
Always ask your agent to review all available discounts based on your unique situation.
🏠 Final Thoughts
Getting the best deal on home insurance doesn’t mean settling for less coverage—it means being smart, proactive, and informed. Whether you’re a first-time buyer or a long-time homeowner, there are real savings to be found when you work with a team that puts your needs first.
📞 Ready to Save on Your Home Insurance?
Let Eugene C. Yates Insurance Agency help you find a custom, affordable policy that gives you peace of mind and fits your budget.
✅ Call us today for expert advice
✅ Or get a fast, free quote online
Eugene C. Yates Insurance Agency
Serving Sacramento Since 1946
Affordable. Trusted. Local.