651-212-4221
75% Off Installation Labor on GAF Asphalt Shingles, LeafGuard® Gutters, Infinity® from Marvin Windows.  No Payments Or Interest Until April 2023. We are also offering a free heat map analysis with insulation estimates through January 31st, 2022.
May 20, 2015
|

7 Surprising Things That Lower Home Insurance Premiums

It’s been said that few things in life are certain besides death and taxes.  For homeowners, an addendum to this phrase could be property insurance.  Here’s what you can do to make your homeowners insurance premiums as low as possible:

Your Roof: Insurance companies know that replacing a roof is a costly venture.  Older roofs are susceptible to leaking, shingle loss, etc.  That’s why having a newly installed roof can save you on insurance premiums.  If you live in an area prone to hail, insurance companies are likely to reward you for installing impact resistant shingles, such as Timberline® ArmorShield™ II and Grand Sequoia® IR Shingles.  Insurance companies also look favorably on metal roofing because research has shown that homes with metal roofs receive less damage from storms and house fires, which means the company is much less likely to have to pay an insurance claim.

Explore Metal Roofing: 

 Bundling: Going with the same insurance company for your auto and homeowners policy will allow you to save on premiums in most cases.  This is because the company is able to spread the administration costs over multiple policies.  It also allows the insurance company to get a better snapshot of the amount of claims a person submits throughout all of their policies.

Credit Score: In the majority of states, insurance companies are allowed to incorporate credit-based insurance scores into their formula to calculate rates.  The credit-based insurance score takes into account items such as the length of your credit history, if you pay your bills on time and low credit balances.  Research has shown that better credit scores are attributed to more responsible homeowners who are less likely to submit claims.  What this means for the consumer is that a higher credit score can mean reduced insurance rates.red house

Home Age: Unlike auto policies, which typically decrease with the age of the car, the newer your home is, the more likely you are to receive insurance discounts.  This is due to the fact that modern homes have state-of-the art HVAC systems, roofs and plumbing which make them much less likely to fail.

Deductible: The higher your deductible is, the less the insurance company has to pay out, in the event of a claim.  Just be sure to be honest with yourself and don’t go so liberal with the deductible amount that you are unable to pay it, should the need arise.asphalt roof

Smoking: You read that right, in addition to jacking up health insurance rates, smoking can also increase your homeowners’ insurance premiums.  The reasoning is that smoking indoors is the leading cause of home fire deaths in the United States each year.  Additionally, the cost to restore homes affected by a house fire is substantial.

Your Age: As in many arenas, senior citizens oftentimes receive homeowner’s insurance discounts.  This is due to the fact that they are home more often and homes are most likely to be burglarized when the property is unoccupied.

Our Storm Damage Restoration Projects:

Recent Reviews From Our Clients:

"I am pleased with my gutter that Lindus installed. They did a nice job and were very friendly."

Anita M.
Plymouth, MN
May 25, 2020

"A big thank you.  I am so happy to have good insulation in the basement."

Ruth P.
St. Louis Park, MN
May 19, 2020

"I just wanted to tell you what a pleasure it has been working with your company. Joel and Mitch have been so professional; it almost makes spending this much money fun."

Roy G.
MInnetrista, MN
May 5, 2020

"It was very good. They were thorough, knowledgeable, and took the time to make sure I understood my options. The crew was good, and very accommodating to my preferences. I would highly recommend them to others."

Joanne F.
St. Paul, MN
April 12, 2020

"Really great service and products. The installers were superior in all respects and windows are amazing."

Mike W.
Richfield, MN
March 5, 2020

"I had very good experience with Lindus. They showed up when they said they would. The workmen did a great job on installing the siding on my house. While they were doing the job if we had any questions they were happy to answer them. The house looks great and I won't have to worry about the siding on the house for a long time."

John O.
St. Louis Park, MN
February 27, 2020
75% Off Installation Labor on GAF Asphalt Shingles, LeafGuard® Gutters, Infinity® from Marvin Windows.  No Payments Or Interest Until April 2023. We are also offering a free heat map analysis with insulation estimates through January 31st, 2022.
Some restrictions may apply. Call for details.
Schedule An Appointment
Tell us when you need us and we will be there.
icon
Call
icon
Services
icon
Appointments
Menu