How to Lower Your Home Insurance Premium in Fort Wayne, Indiana
- Nate Jones, CPCU, ARM, CLCS, AU
- 1 day ago
- 2 min read
Reducing your home insurance premium in Fort Wayne, Indiana doesn’t mean sacrificing the protection you need. With the right strategy, you can lower your monthly or annual premium while keeping necessary coverages in place.
Fort Wayne residents face weather‑related risks like hail, windstorms, and severe winters, which can influence insurance costs. Smart planning, proactive maintenance, and working with the right professionals can help you secure better rates.
Understand Your Current Home Insurance Policy
Before making changes, review your existing policy to understand:
Your coverage limits
Your deductible amount
Any optional endorsements
Discounts or savings you already receive
Knowing these details helps you target specific ways to lower your premium.
1. Increase Your Deductible
One of the most effective ways to lower your home insurance premium is by increasing your deductible—the amount you pay out‑of‑pocket before insurance kicks in.
🔹 Example: Raising your deductible from $500 to $1,000 typically reduces the premium.
Note: Ensure the deductible you choose is affordable in case of a claim.
2. Bundle Your Policies
Many insurers offer multi‑policy discounts when you purchase home and auto insurance from the same company.
Bundling can reduce your overall premium and simplify billing.
3. Improve Home Security and Safety Features
Insurance companies reward homes that are less risky to insure.
Examples of upgrades that can lower premiums:
Smoke alarms and carbon monoxide detectors
Deadbolt locks and security systems
Storm shutters
Smart home sensors
4. Maintain Your Property Regularly
Keeping your home well‑maintained shows insurers that your risk of filing a claim is lower.
Ways to improve your home’s condition:
Repair or replace an old roof
Update electrical and plumbing systems
Seal cracks and prevent water damage
Trim trees near your house
5. Ask About Discounts
Insurance carriers and agencies often provide multiple discount opportunities, such as:
Claim‑free history discounts
Loyalty or renewal discounts
Renovation or home improvement discounts
Ask your agent to review all available discounts to ensure you’re not missing savings.
6. Shop and Compare Multiple Quotes
Rates can vary significantly between insurance companies—even within Fort Wayne.
Getting multiple quotes allows you to compare pricing, coverage options, and discounts to ensure you’re getting the best rate.
Why Work With Wexford Insurance to Lower Your Premium
Wexford Insurance helps Fort Wayne homeowners find the best rates and identify every possible savings opportunity.
With Wexford, you get:
Access to multiple top home insurance carriers
Personalized, Fort Wayne‑specific recommendations
Expert analysis of discounts, bundling options, and coverage needs
Ongoing support for policy reviews and claims
👉 Request a quote from Wexford Insurance today to compare insurance options and lower your home insurance premium in Fort Wayne.
