{"id":1788,"date":"2026-06-25T21:54:51","date_gmt":"2026-06-25T21:54:51","guid":{"rendered":"https:\/\/www.univesta.com\/non-classe\/comment-economiser-de-largent-sur-votre-assurance-habitation\/"},"modified":"2026-06-30T20:40:06","modified_gmt":"2026-06-30T20:40:06","slug":"how-to-save-on-your-home-insurance","status":"publish","type":"post","link":"https:\/\/www.univesta.com\/en\/blog\/home\/how-to-save-on-your-home-insurance\/","title":{"rendered":"How to save on your home insurance"},"content":{"rendered":"\n    <section class=\"wysiwyg || section\">\n        \n<span class=\"absolute top-0 left-0\" ><\/span>        <div class=\"wrapper\">\n            <div class=\"max-w-[60rem] mx-auto\">\n                <div class=\"wysiwyg-container \">\n    <p>Adulthood brings independence, plans for a family and \u2014 finally \u2014 the means to buy or rent the home you\u2019ve been dreaming of. But the costs add up fast: mortgage payments, municipal taxes, upkeep, and on it goes. One easy place to ease the pressure is your home insurance bill. Here are a few tips* that can make a real difference.<\/p>\n<h2>Think energy efficiency when you renovate<\/h2>\n<p>Renovations on the horizon? Work that boosts your home\u2019s energy efficiency or durability can pay off on your premium, too. Think solar heating, a heat pump, smart thermostats \u2014 any energy-smart electrical upgrade. New windows and better basement insulation can help as well. Ask your broker how your plans might affect your premium.<\/p>\n<h2>Don\u2019t skimp on prevention<\/h2>\n<p>Anything that helps prevent fires and break-ins can move your premium. Put in a good alarm system \u2014 ideally monitored, with a motion detector. Don\u2019t forget smoke detectors and fire extinguishers, and make sure your electrical system is up to code.<\/p>\n<h2>Prevent water damage<\/h2>\n<p>Steps that head off water damage can help your premium too. To avoid a claim in the first place, consider a modern water heater (ten years is the usual rule of thumb for replacement). A drip tray and a safety valve will limit the damage if it ever leaks. Add backwater valves on the home\u2019s pipes, and consider a water-leak detector. Re-roofing with sturdier materials is another solid way to keep water out.<\/p>\n<h2>Take honest stock of your needs<\/h2>\n<p>Doing an inventory and weighing what you actually need means you can buy coverage that truly fits \u2014 and maybe save in the process. Estimate the value of your belongings as accurately as you can, based on what they\u2019d cost to replace. Declare any major renovations, too, since they change what it would take to rebuild after a claim. And if you can swing it, a higher deductible will lower your premium. Your broker can help you land on coverage that fits.<\/p>\n<h2>Mind your credit score<\/h2>\n<p>What\u2019s credit got to do with home insurance? More than you\u2019d think: studies show people with good credit tend to take better care of their homes. So when it comes to an affordable premium, good financial habits can count in your favour.<\/p>\n<h2>Bundle your policies<\/h2>\n<p>Keeping your home and car insurance with the same insurer almost always pays. Multi-policy discounts \u2014 like Intact Insurance\u2019s Synchro Insurance \u2014 lock in up to 15% off, plus a host of other perks.<\/p>\n<h2>Don\u2019t leave discounts on the table<\/h2>\n<p>Belong to a professional order, a student association, a union or another group? Mention it to your broker \u2014 you could qualify for an extra discount. No sense leaving easy savings behind.<\/p>\n<p>Put these together and you could save several hundred dollars a year. Talk it through with your broker \u2014 we\u2019ll help you see what it means for your premium.<\/p>\n<p><em>*This site provides general information only. Check with your broker about the real impact on your premium before making changes, and refer to your policy, which always takes precedence.<\/em><\/p>\n<\/div>                            <\/div>\n    <\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":1789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"wds_primary_category":23,"footnotes":""},"categories":[23],"class_list":["post-1788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/posts\/1788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/comments?post=1788"}],"version-history":[{"count":0,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/posts\/1788\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media\/1789"}],"wp:attachment":[{"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/media?parent=1788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.univesta.com\/en\/wp-json\/wp\/v2\/categories?post=1788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}