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Home insurance can protect you and your home in case of an emergency like a fire, tornado, or burglary. Did you know there are ways to lower your monthly home insurance costs? Here are three ways you can pay less for your coverage. 

Improve Your Credit Record

Your credit record can affect home and auto insurance costs. You can raise your credit score by paying at the minimum amount each month, bringing down the overall balance of debts, and keeping a limit on the number of credit cards you own. You should also regularly check your credit rating to catch problems and mistakes. 

Increase Your Deductible

Choosing a higher deductible instead of a higher monthly cost can dramatically reduce your monthly insurance payments. Homes that are kept in good condition may not require you to make a claim very often. If you choose this option, it might be wise to set aside money each year in case of a claim. Your home insurance Anchorage AK agent may be able to tell you if you are eligible to reduce your deductible or are eligible for other discounts.

Maintain Your Roof

The condition of your roof plays an important part in protecting the safety of your home. Have your roof inspected every other year to check the condition of your roof. If your roof is in poor condition, consider replacing it with a new roof. If your roof is in good condition, regularly clean your gutters and check for missing or damaged shingles to avoid damage that would require an early replacement. 

Owning your own home can be a rewarding investment that you and your family can enjoy for many years. Talking with your home insurance agent about these options can help you cut costs on your insurance without sacrificing your coverage.