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Did you know that as you shopped around for New York home insurance there are things you can do to help your rates? Most of us pick up the phone or go online and shop around and take the face value of what insurance companies offer to us. We don’t realize that we can ask questions and press for discounts and to see what we can do to get the absolute best rates possible.

So what are the secret questions to ask or the discounts that we should be looking for? Did you know that some New York home insurance companies will offer you a discount for using a dead bolt lock? This ensures more security for your home. Then there are even some of the obvious things that many of us do, but it can be a potential discount. One of those obvious ones is smoke alarms.

Another one that many of us choose to do on our own for our own peace of mind with no thought of getting an additional discount on our New York home insurance policy is a security system. In fact if you check into this and make the decision to have a security system it is nice to know that the discount you are getting on your policy is helping to pay for the security system and it becomes a win-win situation.
Did you know that New York home insurance companies are required by law to offer the best discounts possible to those that have installed hurricane or storm shutters. Then if you have installed hurricane resistant laminated glass windows and doors that is another option for a premium discount.

Another option for a discount is a sprinkler system. Recently on the news they showed two different homes being started on fire. They showed one without a sprinkler system and one with a sprinkler system. It was amazing the differences and the minimized losses with a sprinkler system. New York home insurance companies view these different things as a great device to protect your home. They also see these options as even a possibility that would deter something from happening which minimizes what the insurance company has to pay out with any potential loss.

Another option for a discount is a multi-policy discount. If you choose to insure your home and automobiles with the same insurance company you can receive an additional discount.

All of these things will help protect your home, give you peace of mind and help you save money every month on insurance for your home. Be sure to check into these things before settling on your rates.

01 Insurance (http://www.01insurance.com/) sells insuranceto those living in New York. Art Gib is a freelance writer.

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