Paying your yearly homeowners insurance can seem painful, but having a policy is necessary to protect your home, your belongings and your financial security. If your annual payment is becoming too much, there are a few ways that you can reduce the premium on your home insurance in Orlando Florida.

Improve Safety

If you can make improvements in the safety of your home, you may be able to get your premiums lowered. Some of the best ways to make your home safer for your family and guests include the following:

  • Installing a security system
  • Maintaining smoke detectors
  • Installing dead bolts and strong locks on doors and windows

Quit Smoking

Smoking inside the home accounts for an astounding amount of smoke and fire damage each year, and it also is the number one cause of death in home fires. Non-smokers are more likely to qualify for lower insurance premiums, and quitting may be able to get you a discount from your insurance company.


If possible, you should work with the same company for your home insurance in Orlando Florida and your auto insurance. Many insurance companies will offer discounts for customers who combine policies, making it a good option for keeping your rates lower.

Your insurance premiums don’t have to be overwhelming if you can make a few changes to your home, your lifestyle and your current policy.