When shopping for home owners insurance there are many factors that can affect the pricing. If you’re not  savvy enough, you can end up paying higher prices than usual.  Don’t be intimidated. Being savvy can be much easier than you think.

Companies offer perks, discounts and “loopholes” all the time. It’s just a matter of asking. Everything from Claim Free Discounts to Multi Policy Discounts can make a difference in how much you pay. Let’s take one company for example, State Farm Insurance. Depending on where you are, State Farm offers discounts for:

• Multiple policies
• Home security systems
• Affiliations with certain businesses
• New home
• Renovated home

Ask your home insurer today what discounts you’re eligible for.