I am on a fixed income; my husband is deceased. How can I reduce my insurance costs?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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This might be a good time to sit down with your agent and review the homeowners policy to see if there are any credits that you are eligible for, but currently are not being included. Since your husband’s death there may be some changes that need to be addressed. If you have an alarm system you can save from 5% to 15%.

Many companies give some great discounts if they write both your home and auto insurance. If you have your insurance split up you should get a quote from each company to see who offers the best discounts for having both with one company. You might also ask friends about their insurance companies.

Another way to reduce your costs is to increase your deductible. Insurance is intended to protect you from a large financial loss, not a small nuisance or maintenance type claim. Higher deductibles can offer some great credits on the premium. Also, by having a higher deductible you are not as exposed to having multiple losses, which could increase your premiums or cause you to lose your insurance entirely.

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