- Location: You may qualify for a lower rate if your apartment is located in a safe area with a low crime rate. Your chances of saving may increase if you’re located near a fire station.
- Credit score: Individuals with good credit scores are considered to be less risky and may qualify for lower insurance rates. Request a credit report and fix any errors or concerns as soon as possible.
- Method of payment: Insurance companies often charge a processing fee when you make a payment. This is often a larger sum when you mail in a check and a minimal sum when you pay electronically.
- Deductible: This is the amount you must pay when filing a claim before your insurer picks up the rest of the tab. A higher deductible equates to lower premium payments.
- Bundle: When you purchase renters and auto insurance (and any other insurance policy you desire) from the same insurance provider, you are often eligible for a bundle discount. This provides savings across all of your bundled policies.
- Protective devices: Items like smoke alarms, fire sprinklers, burglar alarms and deadbolts can all lead to discounts due to the reduced risk within your rental unit.
- Nonsmoking: Homes of nonsmokers have a much lower risk of catching fire. Ask your independent agent if you qualify for a nonsmoking discount.
- Customer loyalty: Years of business with the same insurance provider may earn you a customer loyalty discount.
Ask us how you can save today. Call Security First Insurance Agency at (810) 732-5800 for more information on Flint renters insurance.
