Looking for Ways to Lower the Premiums on Homeowner’s Insurance?

Increase the deductible.
It can significantly lower your premium. If you do so, however, keep an adequate emergency fund to cover higher out-of-pocket costs for any claims.

Combine coverage at one company.
Often, you can obtain discounts for purchasing more than one policy at the same company, such as auto and homeowner’s insurance.

Install an alarm and other safety features.
Since these features help reduce claims, insurance companies often offer discounts for installing these devices in your home.

Stay with the same company.
Insurance companies may give loyalty discounts to customers who have stayed with the company for years, although you typically have to ask for this discount.

Maintain a smoke-free environment.
Insurers often lower premiums for smoke-free households.


Bonfiglio Asterita Law is a well diversified law firm that delivers high quality and creative legal representation to a diverse clientele both in New York and New Jersey. Our Law Office focuses on Real Estate Law, Wills, Trusts, Estates, Business Law, Family Law and Lending Services in New Jersey and New York. Our broad range of practice areas provide clients with a one-stop full service source for all of their legal needs. Our practice areas include real estate, including private and commercial purchases and sales, and we provide mortgage loan closing and settlement services to many lenders in mortgage lending transactions throughout New York and New Jersey.

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