Owning a home is a major achievement—but protecting it shouldn’t break the bank. If you’re looking for ways to cut your homeowners insurance costs without cutting coverage, you’re in the right place.
At Eugene C. Yates Insurance Agency, we’ve been helping Sacramento homeowners save money while staying protected since 1946. In this post, we’ll show you 10 smart ways to lower your premium—without putting your home at risk.
✅ 1. Bundle Your Policies
One of the fastest and easiest ways to save is by bundling your home and auto insurance (or other policies) with the same insurer. This can shave 10% to 25% off your premium.
💡 Ask your agent about multi-policy discounts or “bundling bonuses” for added savings.
✅ 2. Increase Your Deductible
The higher your deductible (what you pay out-of-pocket before insurance kicks in), the lower your premium. Raising it from $500 to $1,000 could save you hundreds per year.
🔧 Just be sure you have enough emergency savings to cover it if you need to file a claim.
✅ 3. Improve Your Home Security
Homes with security features are less likely to be burglarized or damaged—making you less risky to insure.
Install:
- A burglar alarm or camera system
- Smart smoke detectors
- Deadbolts and motion lights
Many insurers offer up to 15% off for homes with monitored security systems.
✅ 4. Make Preventative Upgrades
If your home is older, insurers may charge more due to the higher risk of damage. Consider upgrading:
- Your roof
- Plumbing and electrical systems
- Windows and insulation
Not only do these updates reduce your insurance cost—they may also increase your home’s value.
✅ 5. Avoid Small Claims
Filing frequent or small claims can cause your premiums to go up. If possible, pay out-of-pocket for minor repairs and save insurance for major losses.
🛑 Staying claim-free often leads to “loyalty” or “safe homeowner” discounts.
✅ 6. Review Your Coverage Annually
You might be paying to cover items or features you no longer own or use. Review your:
- Personal property limits
- Outbuildings (sheds, detached garages)
- High-value item riders
Update your policy to match your current lifestyle and avoid over-insuring.
✅ 7. Ask About Discounts
Many people miss out on discounts they qualify for. You might be eligible for:
- Retiree or senior discounts (age 55+)
- Loyalty discounts (5+ years with the same company)
- Paperless billing or auto-pay incentives
- New customer promotions
📞 A quick conversation with your agent can uncover big savings.
✅ 8. Maintain Good Credit
In many states (including California), insurers use your credit-based insurance score to determine premiums. A good credit score can mean a lower rate—so keep those finances in shape!
✅ 9. Downsize When You’re Ready
Smaller homes typically cost less to insure. If you’re downsizing in retirement or after kids move out, your premium will likely decrease along with your coverage needs.
✅ 10. Work With an Independent Agent
An independent insurance agency—like Eugene C. Yates Insurance Agency—can shop multiple top-rated companies on your behalf. That means better rates, more coverage options, and personalized advice you won’t get from a one-size-fits-all insurer.
Final Thoughts
Lowering your homeowners insurance isn’t about doing less—it’s about doing it smarter. Whether you’re upgrading your home, bundling policies, or reviewing your coverage, these steps can lead to serious savings without compromising protection.
🏡 Ready to Save on Your Homeowners Insurance?
At Eugene C. Yates Insurance Agency, we’ll help you find the best policy for your needs—and your wallet. Let us compare rates and uncover the savings you deserve.
📞 Call us today to speak with a local Sacramento insurance expert
💻 Or get your free, no-obligation quote online in minutes
Eugene C. Yates Insurance Agency
Serving Sacramento Since 1946
Affordable. Trusted. Local.