{"id":2970,"date":"2013-11-27T15:00:09","date_gmt":"2013-11-27T20:00:09","guid":{"rendered":"http:\/\/www.noyeshallallen.com\/?p=2970"},"modified":"2017-11-09T08:50:32","modified_gmt":"2017-11-09T14:50:32","slug":"two-quick-easy-steps-to-reduce-maine-home-insurance-costs","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/two-quick-easy-steps-to-reduce-maine-home-insurance-costs\/","title":{"rendered":"Two Quick &#038; Easy Steps to Reduce Maine Home Insurance Costs"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>Two Easy Steps to Save Money on Maine Homeowners Insurance<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2969 aligncenter\" alt=\"2 Easy steps to save money on Maine homeowners insurance\" src=\"https:\/\/www.noyeshallallen.com\/wp-content\/uploads\/2013\/11\/Saving-on-home-insurance.png\" width=\"512\" height=\"384\" \/><\/p>\n<p>Our <a title=\"Noyes Hall &amp; Allen Insurance | South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\">Portland Maine area insurance<\/a> clients save an average of $133 per year on Maine homeowners insurance\u00a0when they increase the property deductible from $500 to $1,000. It was once common to have a $500 deductible, but many clients think it&#8217;s smart to increase to $1,000 now for three reasons:<\/p>\n<ol>\n<li><strong>They wouldn&#8217;t make a $500 claim anyway.<\/strong> Most people save their insurance for larger\u00a0problems. They wouldn&#8217;t file a claim for less than $1,000. They know that insurance companies do look at claim history when pricing insurance, and they want to only file a claim when they really need to.<\/li>\n<li>\u00a0<strong>Inflation<\/strong> has made a\u00a0$1,000 the rough equivalent of what was a\u00a0$500 years ago, when they bought their home insurance. It only makes sense to adjust their policy.<\/li>\n<li><strong>It usually\u00a0saves money in the long run.<\/strong> The average savings payback is a little less than 4 years. Most people don&#8217;t file a homeowner claim more often than that.<\/li>\n<\/ol>\n<p>Noyes Hall &amp; Allen clients also save an average of $200 more when they bundle their <a title=\"Portland Maine Personal Insurance | Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/\">Maine home and auto insurance<\/a>. Because insurance companies in Maine offer discounts on both home and auto insurance when you insure both with them, you can probably reduce your auto insurance costs by bundling as well. In addition to saving money, packaging your home and auto coverage provides other benefits:<\/p>\n<ul>\n<li><strong>Only one person to call for all your insurance.<\/strong> If you move, change bank accounts, or have a question about your insurance, you only need to remember one contact.<\/li>\n<li><strong>More clout with the insurance company.<\/strong> Insurers often give more favorable treatment to clients who place more business with them. Some offer member benefits or better coverage to package clients; others\u00a0offer the simplicity of \u00a0combined billing and other correspondence; all of them are more inclined to give a long-term multi-policy client the benefit of the doubt in a sticky situation.<\/li>\n<\/ul>\n<p>Would you like a review of your personal insurance program? <a title=\"Contact Your Maine Insurance Agent | Noyes Hall &amp; Allen | South Portland\" href=\"http:\/\/www.noyeshallallen.com\/policy-services\/contact-my-agent\/\">Contact a Noyes Hall &amp; Allen agent <\/a>at 799-5541. We represent several of <a title=\"Our Partner Companies | Noyes Hall &amp; Allen Insurance | South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\/about\/our-partner-companies\/\">Maine&#8217;s preferred insurance companies<\/a>, so we can find the best value combination for your unique situation.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Two Easy Steps to Save Money on Maine Homeowners Insurance Our Portland Maine area insurance clients save an average of $133 per year on Maine homeowners insurance\u00a0when they increase the property deductible from $500 to $1,000. It was once common to have a $500 deductible, but many clients think it&#8217;s smart to increase to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,12,13,15],"tags":[44,52,36],"class_list":["post-2970","post","type-post","status-publish","format-standard","hentry","category-car-insurance","category-condo-insurance","category-homeowners-insurance","category-renters-insurance","tag-home-buying","tag-insurance-market","tag-saving-money"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/2970","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=2970"}],"version-history":[{"count":1,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/2970\/revisions"}],"predecessor-version":[{"id":4662,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/2970\/revisions\/4662"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=2970"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=2970"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=2970"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}