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Three Commonly Missed Homeowners Insurance Discounts

If you have found the home of your dreams but now are just asking yourself the big question, “How much is homeowners insurance in NJ?” then you should know about a number of different discounts and credits that you may be eligible to receive. Here are some of those credits and discounts that might make a convo with your insurance agent worth your while.

Gated Communities

The credit for buying a home in a gated community—where the home is much more secure and less prone to break-ins and other risks—can be as great as 20 percent of your premium.

Quit Smoking

It might sound strange, but smoking is not only hazardous for your health, but it can also be a hazard in your home. There are close to 20,000 house fires per year with hundreds of related fatalities each year and hundreds of millions of dollars in property damage and loss. If there are no smokers in your household, you may be eligible for discounts on your homeowners insurance.

Homeowners Associations

If your neighborhood has a homeowners association, you may be eligible for further discounts on your insurance due to the fact there are generally regulations that govern the care and security of your property. If you are asking yourself the question, “How much is homeowners insurance in NJ?” then you may want to take some other things into consideration and ask your agent about.