Overlooking discounts for your Maine home insurance is easy to do. I often hear, “I didn’t know that!” when talking to customers about discounts.? Especially when they hear something as standard as a smoke detector or fire extinguisher can take a percentage off of your premium.? Taking advantage of all offered discounts is an easy way to save money, so why not do it? Not all carriers will provide the same discounts, so it’s important to talk with you independent agent about what discounts you could possibly be receiving. Below is a list few of the most common types of discounts.

• Security – Living in a gated community, installing an alarm system, and dead bolts can provide discounts.
• Safety – Installing smoke and carbon monoxide detectors, a temperature alarm, and fire extinguishers can help save money. If you have a pool, putting a fence around it can help as well as installing hand rails on staircases and having an automatic backup generator.
• Maintenance – Is your roof resistant to hail? Has your home recently been rewired, or have you installed new pipes? These upgrades to your home can bring costs down.
• Multiple Policies – Bundling your homeowners with your auto, watercraft or any other policy will help you save. Raising your deductible will also lower your premium.

These are just a few way to save. Be sure to talk to your independent agent about the ways you can be saving by just doing things you already do! One more reason to choose an independent agent is that we can keep you informed and we are looking at all of the ways we can save you dollars on your home insurance!