When it comes to protecting your home, insurance isn’t optional—but overpaying for it is. Whether you’re a new homeowner or have had the same policy for years, chances are you’re leaving money on the table. The good news? Lowering your home insurance premium doesn’t mean lowering your standards. It just means knowing where to look—and who to partner with.
At CapCenter, we help clients save money on their home loans every day with ZERO Closing Cost mortgages. But the savings don’t stop there. Our in-house insurance team shops your home insurance against more than 30 of the top-rated national carriers to help you find the right coverage at the right price. And when clients bundle their home and auto policies with us? They’re saving an average of 25%.
Let’s break down how you can reduce your home insurance premium—without sacrificing the protection your home deserves.
Understand What Drives Your Home Insurance Premium
Before you lower your premium, it’s important to understand what makes it go up in the first place. Insurers weigh a variety of factors when setting your rate, including:
- Location & local risk factors (like crime rates, storm zones, and proximity to fire departments)
- Home value and rebuild costs
- Roof age and material
- Your credit score
- Claims history
- Policy coverage levels and deductibles
- Bundling discounts and loyalty incentives
That’s a lot of variables. Which is exactly why it pays to have CapCenter’s insurance experts on your side. Our team doesn’t just check one company—we check 30+ carriers to make sure you're not missing out on a better deal elsewhere.
Tip 1: Shop Smart—Don’t Settle for the First Quote
Too many homeowners treat home insurance like a set-it-and-forget-it subscription. But staying loyal to a single insurer year after year can cost you. Rates change. Carriers adjust risk models. And newer companies may enter the market offering competitive coverage at better prices.
At CapCenter, we’ll do the shopping for you. Our licensed agents compare your policy against a network of over 30 top-rated carriers—including well-known names and competitive regional providers—so you don’t have to. You’ll get real comparisons, side-by-side, and expert guidance on which option is the best fit for your home and budget.
📍 Learn more about CapCenter's Insurance Services
Tip 2: Bundle Your Home and Auto Insurance
If you're only insuring your home with one company and your vehicles with another, you're probably overpaying.
Bundling home and auto insurance under the same carrier is one of the simplest and most effective ways to save on both policies. At CapCenter, our team has helped clients unlock an average of 25% in savings by bundling home and auto coverage together.
But what’s more important than the discount? Making sure your bundled policies work together seamlessly—and that you’re not sacrificing coverage just to save a buck. Our advisors walk you through each policy and ensure you’re protected across the board.
Want to see how much bundling could save you?
👉 Request a quote now
Tip 3: Raise Your Deductible (Strategically)
A higher deductible usually means a lower premium. That’s because you’re agreeing to cover a bit more of the initial cost if you ever need to file a claim.
But raising your deductible too high can backfire—especially if an unexpected claim puts your emergency fund in jeopardy. That’s where personalized advice matters.
CapCenter’s insurance team can walk you through the risk vs. reward of different deductible levels. We'll help you run the numbers to make sure the savings make sense—and that you’re comfortable with your out-of-pocket responsibility in the event of a loss.
Tip 4: Improve Home Safety and Security
Insurance companies reward homes that are less likely to suffer damage or loss. Upgrades that can reduce your premium include:
- Installing a monitored security system
- Adding smart smoke detectors or water leak sensors
- Upgrading outdated electrical or plumbing systems
- Replacing old roofs with impact-resistant materials
- Adding deadbolts or reinforced doors
These improvements not only protect your home—they show insurers that you're reducing risk, which may qualify you for discounts.
When you work with CapCenter’s insurance advisors, we’ll review your home’s current setup and identify ways to qualify for these discounts without overextending your budget. Many homeowners miss out on available savings simply because they didn’t ask.
Tip 5: Reassess Your Coverage Annually
Your home’s value can change. So can the cost to rebuild it. That means the policy you signed three years ago might no longer reflect your home’s replacement cost—or you might be paying to cover things you no longer own.
Too often, homeowners either over-insure and overpay, or under-insure and risk serious gaps.
With CapCenter, you don’t have to figure it out on your own. We conduct regular coverage reviews with our clients to make sure your policy evolves with your home—and that you’re not paying for what you don’t need.
If you’ve made major renovations, added structures, or simply haven’t reviewed your policy in a while, it’s time. Let our team take a fresh look and find the best options for you.
Tip 6: Maintain a Good Credit Score
Like it or not, credit scores impact insurance premiums. In many states, insurers use your credit-based insurance score (a variation of your credit score) to predict how likely you are to file a claim.
Higher scores tend to be rewarded with lower premiums.
If your score has improved since you last got a policy, or if you’ve cleaned up some past credit issues, you may now qualify for a better rate. When you work with CapCenter’s team, we’ll factor this into the quotes we provide—so your credit improvements don’t go unnoticed.
Tip 7: Avoid Filing Small Claims
Every claim you file is recorded—and frequent claims can lead to higher premiums or policy non-renewals.
It’s often smarter to pay out of pocket for smaller issues and reserve insurance for major repairs. Not only does this protect your claims history, but it may also keep you eligible for claims-free discounts offered by many carriers.
Need help deciding whether to file a claim or not? Our insurance team is here to talk it through with you.
Tip 8: Don’t Over-Insure Personal Property
Your policy covers the structure of your home, but also the personal belongings inside it. While it’s important to protect valuables, overestimating their worth can lead to unnecessarily high premiums.
Take an inventory of your belongings and determine whether your current coverage limits still make sense. You may be able to scale back and reduce your rate.
CapCenter’s insurance team can help you evaluate personal property coverage and explore endorsements for high-value items (like jewelry or art) that might be better protected with specialty add-ons.
Tip 9: Let CapCenter Handle the Heavy Lifting
The best way to lower your premium? Let an expert shop for you.
Our in-house insurance team is built to simplify your experience. Instead of contacting multiple providers and comparing dozens of policies yourself, we do all the heavy lifting—searching across 30+ top national carriers to find the most competitive rates and reliable coverage. We’ll present the best options, explain the pros and cons, and walk you through every step of the process.
CapCenter was built to make the homeownership journey easier and more affordable. That’s why we don’t just offer ZERO Closing Cost mortgages—we deliver value across every part of the process, from the home loan to the home search to the home insurance policy that protects it all.
Get a Free Insurance Quote Today
If you haven’t reviewed your home insurance in the last year, you’re probably overpaying. Let CapCenter’s team give you a fresh look. With over 30 carriers at our fingertips and no pressure to upsell, we’ll make sure you’re getting exactly what you need—at a price that makes sense.
You’ve worked hard for your home. We’ll help protect it—for less.
🔍 Get your free home insurance quote
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