7 Ways to Lower Your Home Insurance Premium Without Sacrificing Coverage

Looking for lower home insurance premiums without risking gaps in protection? At Edward Wilkins Insurance Agency, we believe your peace of mind shouldnt come at the cost of hidden risks. As proud members of the Frankfort, IL community, we combine personal service with the tools and tech to help you savea0a0the smart way.

1. Bundle Home & Auto Policies

Most Illinois insurers, including Farmersae, offer generous discounts when you bundle home and auto insurance together. By combining policies at one local agency, you19ll reduce costs—sometimes by up to 15%—while streamlining your paperwork. Personalized, one-stop service? That19s what we deliver.

2. Upgrade Your Home Security

Security systems, smoke detectors, and smart sensors do double duty: they protect your home and can cut your insurance bill. Many modern policies reward proactive upgrades with premium reductions. We can show you how the latest tech—like smart doorbells or monitored alarms—helps satisfy insurers and boost your safety.

3. Increase Your Deductible (Cautiously!)

Raising your deductible can lower your monthly premium. But beware: a higher deductible means more out-of-pocket costs if you file a claim. We recommend a deductible level that balances monthly savings with what you could comfortably pay in an emergency. Our agents explain your options in plain English—no jargon, no gaps.

4. Maintain Good Credit

Did you know your credit score can affect your home insurance rates? Insurers often reward responsible credit with lower premiums. By regularly reviewing your credit and addressing minor issues, you could enjoy annual savings—protecting your wallet as well as your home.

5. Avoid Small Claims (And Know When to File)

Filing minor claims can drive up your insurance costs over time. Before submitting a claim, consult with our local team. We help you evaluate if a claim makes sense or if covering the minor costs yourself is smarter in the long run.

6. Update/Reassess Rebuilding Costs

Home values and local construction prices fluctuate. If you19ve renovated or market prices have changed, it19s time for a policy review. We use advanced analytics to make sure you19re not over—(or under!—)insured, so you19re only paying for the coverage you truly need.

7. Ask About Additional Discounts

Every household is different—and so are discount opportunities! From age of your roof to careers in teaching or first-responder roles, we help you discover every possible savings your situation deserves. Our agency19s AI-powered systems scan your profile so nothing is missed.

At Edward Wilkins Insurance, you get real relationships and modern solutions—backed by national strength and local expertise.
Serving Frankfort and nearby communities: Tinley Park, Orland Park, Mokena, New Lenox.