When you pay your insurance premiums month after month, it might start to feel like you are just giving money away for no good reason. And if you’ve ever had a claim denied because the damage to your property was no higher than your deductible, you might really feel like you’re getting the short end of the stick.

Have you given up on all your lofty New Year’s resolutions yet? No? Well good on you! It’s hard, especially now around week three, to stay on track so we thought we would take this time to give you another couple of reasons to keep it going. Since most New Year’s resolutions seem to revolve around eating and drinking in moderation and exercising, we’ve decided to focus on those goals.

One of the best ways to keep your home insurance premiums low is to never have a claim against the insurance that was preventable. Sure, accidents and mother nature happen but that doesn’t mean that you can’t help reduce the number of claims you experience by reducing the risk you are exposed to. Follow some of the tips below to help you reduce your likelihood of claims and increased premiums.

There’s one sneaking, creeping, crawling, biting, whimpering consideration you have probably not made when looking into your home insurance quote, and that is the impact that your pet might have on your home insurance quote. You see, depending on the type of pet you have, you may find that the price of your home insurance rates are affected by the furry little beast you call family.

There are many life insurance riders that can affect your premium. Some provide you with a return of your premium while others waive your premiums during a time of disability. These premium riders can be a real insurance policy saver and add additional values that many consumers love.