If you own a home or are considering buying a home in the Hilton Head area, there are several insurance savings ideas worth exploring. While each may be only a small amount, when added together they may provide an owner with some nice savings if available.  Homeowners can complete this savings review through the services of their insurance agent.  We asked our agent, Robbie Holmquist with Turbeville Insurance Agency to share these ideas.

Hilton Head Properties – Insurance Savings Ideas

Increase your deductibles – You can save significant premium dollars by increasing your deductibles. Did you know that most homeowners policies never have a claim? Save some money but make sure you are comfortable with the amounts should a claim occur.

Insure your home for the correct value – Don’t confuse the market value of the home with its replacement cost. Remember you need enough coverage to rebuild the structure. You are not insuring the value of the land, just the house.

Look for other Discounts – Most companies will give credits or discounts off the premium for having or adding things like alarms, sprinkler systems and storm protection. In addition, some insurance companies offer discounts for having your auto insurance in addition to the homeowners policy. Many other discounts may be available.

Maintain good credit – Companies use an insurance score based on your credit for determining your premium. So, the better your credit the lower your premiums may be!

Final Thoughts for Hilton Head Property Insurance

To review these cost saving ideas, contact your insurance agent for a review.  If you would like to contact Robbie Holmquist with Turbeville Insurance you may email Robbie Holmquist at  robbieh@tiasc.biz or Brooke Cucinella at brookec@tiasc.biz. Their phone number is (843)524-4501.