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As a homeowner, you probably have more bills to pay than you’d like to think about. On top of your mortgage payment, you have utilities such as electric, water and gas, as well as maintenance and repairs that pop up and possibly HOA dues, not to mention your homeowners insurance.
Being a service you pay for to protect against the unthinkable, homeowners insurance might seem like a less important payment than the rest. But when one of those unthinkable moments happens – like a fire or hurricane – you’ll be glad you have it.
Still, that doesn’t mean you can’t reduce your homeowners insurance premium, which costs the average U.S. homeowner $952 per year, according to personal finance website ValuePenguin. There are a number of strategies and upgrades you can make to your home that will not only make it safer from disaster, but also lead to well-deserved rewards for your efforts.