What can I do to lower the cost of my premium?

The cost of your insurance, or premium, partly depends on the coverages, deductibles, and policy limits you choose. Here are a few tips that may help lower your premium:

• Talk to your insurance representative about your insurance needs and eligibility for discounts
• Invest in smoke detectors, interior sprinkler systems, home security, and smart home technologies
• Bundle or purchase multiple policies, such as car, boat, and umbrella insurance