No one wants to pay a lot for their insurance. Thankfully, there are some pretty easy ways to help keep your homeowner’s insurance costs under control.

home insurance cleveland

A little bit here, a little bit there, and you can end up saving a good deal of money on your premiums. Here are some simple ways how:

Keep All Your Insurance Under One Roof

A key way to save money on your homeowner’s insurance is to get all your insurance from the same agent and carrier. With your auto, liability and homeowner’s all with the same carrier, you may qualify for quantity discounts that can result in good savings.

Raise Your Deductible

Remember that this is a risk/reward decision, but by raising your deductible you can save money on your premiums.

Your deductible is the amount of money you pay out of pocket before your insurance kicks in. Just be sure to discuss it in detail with your agent so you know how it will affect you!

Have Good Credit

Not all insurers weight your credit score when providing you with rates, but many of them do. Ask your insurer if they are one of them. Protect your credit and keep it in good standing, and your insurance rates may reflect your efforts.

Enhance Your Home Security

Improving your home security with burglar alarms, deadbolts and other measures could qualify you for discounts on your insurance. Ask your agent for more details, then go make your house safer!

Disaster-Proof Your Home

Okay, there’s no way to truly make your home disaster-proof, but there are some improvements that can help.

Storm shutters, an upgrade to your roof, modernizing an old HVAC system, and more can all help make your home safer from fires, storms, and other disasters – and that means you may be able to enjoy some savings on your insurance.

Stay Loyal to Your Insurer

Ask your agent about this, but in many cases agents and carriers will offer a longevity discount to those who have stayed with them a certain number of years. In other words, you be good to them and they’ll be good to you. And that applies in reverse, too!

Do you actually know your dentist? Your accountant? Your hairdresser?

Shouldn’t you know your insurance agent, too…?

At Virgil E. Brown Insurance, we live and work on the East Side of Cleveland, which means we can serve and understand your needs in ways that the bigger companies can’t. (Or won’t.)

Call Stan right now at 216-851-3304 or email him at to learn exactly how we can help.

About the Author

Stan Collins, Jr.Insurance Agent
With over 10 years of experience in the industry, I have come to truly love my chosen profession. I consider myself a serious student of industry trends. Taking the time to get to personally know my clients is important to me, so that I’m able to truly match them with the policy that fits their needs. Reading, golf, fishing, creating music, and spending time with my family all account for time not spent working.

Recent Posts

Always a Free Quote

    Fill in the below to get and we'll get back to you as soon as possible. You can also email us direct at or by calling (216) 851-3304.

    Your Name (required)

    Your Email (required)

    What type of insurance are you interested in? (Check all that apply.)

    HomeAutoSmall BusinessUmbrella

    Anything else you'd like to tell us?

    Contact Us

    Contact us or stop by our Cleveland Heights office anytime. We’re happy to discuss your current policy with you, even if it’s with another agency.

    2136 Noble Rd.
    Cleveland Heights, Ohio 44112

    Phone: (216) 851-3304