Most people don’t realize that they have a lot of control over their homeowners insurance costs. Many also mistakenly believe that controlling costs means a reduction in coverage and protection. A lot of TV ads lead you to believe the best way to keep the costs down is to switch insurance companies. What they fail to divulge is the type and quality of the coverage that resulted in the lower premiums.

In our experience, the savings are the result of two major factors. One is that the previous insurance company wrote a general policy for the customer without doing a comprehensive review of the clients needs. The other is that the insurance company applied several automatic annual price increases that the client never questioned and were not necessarily justified.

Here is a list of the most common ways for you to keep your insurance costs in control:

1. Maintain a high credit-based insurance score and you may qualify for additional discounts.
2. Choose higher deductibles. With a low deductible, you are essentially funding all the small insurance losses others may claim. Reduced premiums are normally more cost-effective, particularly over a longer period of time.
3. Qualify for multi-policy discounts by having your policies with the same insurance company. The savings by combining policies can be significant.
4. Be safety conscious and install safety devices in your  home. Many of these devices can actually result in an additional discount. If you do install any, be sure to call your agent at the Cincinnati Zimmer Insurance Agency so we can determine how the device may affect your premium.
5. Keep your losses down. Consumers who have the lowest rates are often among those with the fewest claims.
6. Work with an independent insurance agency like Zimmer Insurance. We are not locked into one insurance company and our interest is in serving YOU – Not the insurance company. We will select the best policy based on your needs and make the best recommendations to protect your assets.

Sometimes, you may find a lower price but rarely will you find a better value than you will with Zimmer Insurance. You get superior value, excellent service from experienced professional agents who take the time to fully understand you and your needs.

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