Doing annual insurance “check-ins” can help lower your homeowners insurance premiums in Manor PA & Glendale Arizona because insurance pricing is based on your home, your risk profile, and the insurance market. If you don’t review your policy, you could be overpaying without realizing it.
Here’s why an annual review from OHL Insurance and Financial Services matters:
Your Home’s Risk May Have Improved - If you’ve made upgrades, your risk profile may be lower now. These improvements often qualify for discounts, but insurers don’t always apply them automatically—you usually need to report them. Some of them may include: new roof, updated electrical or plumbing, security system installed, storm shutters or water leak detection devices
You May Be Missing Available Discounts - Insurance companies regularly introduce new discounts. An annual check-in can uncover:
- Bundling discounts (home + auto)
- Loyalty discounts
- Claims-free discounts
- Gated community discounts
Your Deductible Strategy May Be Wrong - Adjusting your deductible can significantly impact premiums.
For example:
- Raising deductible from $1,000 to $2,500 can reduce annual premiums.
- If you have strong savings, a higher deductible may make financial sense.
Avoid Silent Coverage Gaps - Life changes affect coverage needs:
- Home-based business
- Renting out a room (Airbnb)
- Buying expensive jewelry
- Adding a pool or trampoline
An annual homeowners insurance check-in can:
- Reduce premiums
- Improve coverage
- Capture new discounts
- Keep you properly protected