Join the thousands of homeowners who have trusted us with safeguarding their homes and family with quality homeowners insurance policies. Whether you are looking to protect your home, vacation property, or condo, we will provide you with an insurance policy that fits both your needs and your budget.
Contact Payton Insurance Agency today to get started utilizing the various homeowners insurance discounts available to obtain the lowest possible premium rates. When you need us, we will be there.
Had an accident or need to file a claim? Call us now at 805-526-9552 for prompt claims service.
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Raise Your Deductible
Raising your deductible means that you are willing to pay more if something happens. Raising your deductible can save up to 20% of your monthly homeowners insurance premium. Just be prepared to shell out IF you do need to use your insurance policy.
Call your Mercury Home Insurance agent to see if your plan offers a reduced rate for installing a security alarm.
Install Safety Features
If you have an older property you may not have built in smoke or CO2 sensors. Check with your provider to see if they will provide a discount if you install them. The cost of installation may be offset by the discount offered.
Review Your Riders
Sit down with your CA Mercury Homeowners Insurance agent and go over each of the riders on your policy. Things change and you may not need to carry the same riders any more. If you have sold off your jewelry or downgraded your electronics, then that may be a rider you can remove or maybe you are just willing to replace them out-of-pocket if something does happen to them.
Ask for Discounts
If you don’t ask, you may never know they were there. A lot of Insurance companies offer discounts for multiple policies, seniors, non-smokers, or even discounts because you’ve been claim-free. It never hurts to ask, you may even find that your company has a deal with the Insurance provider.
Some basic improvements, such as putting on a stronger roof or installing sump pumps could also get you a discount in some areas. A lot of it would depend if your area is prone to disasters.
Looking for affordable California auto and homeowners insurance? We aim to answer all your questions and give you the freedom to compare quotes and choose the right policy for you and your family.