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Unlocking Home Insurance Discounts: Community Groups You May Not Know About
Homeownership is one of the most significant investments most Americans make, and ensuring that investment is protected shouldn’t break the bank. Homeowners insurance premiums can be daunting, but joining certain groups can unlock discounts that help you save.
AARP: More Than Just a Retirement Resource
If you’re 50 or older, chances are you’ve heard of AARP, but did you know it offers substantial savings on homeowners insurance? Members can save up to 20% by bundling their homeowners with auto insurance through The Hartford. This option is especially appealing for homeowners with manufactured or mobile homes, as they too can find unique rates tailored to their needs.
AAA: More Than Just Roadside Assistance
Many think of AAA primarily for travel and roadside assistance, but it also provides insurance savings. Depending on your local chapter, discounts on homeowners insurance can vary, so checking in with your regional AAA can reveal hidden savings.
AMAC: The Alternative to AARP
For those seeking a different organization, the Association of Mature American Citizens (AMAC) serves retirees and older adults. They partner with Travelers to offer competitive homeowners insurance rates for their members, demonstrating that options abound for cost-conscious seniors.
Wholesale Clubs: Membership Has Its Benefits
Shopping at wholesale clubs like Costco or BJ’s isn’t just about bulk groceries. Members can often tap into homeowners insurance discounts, too. For instance, Costco collaborates with American Family Insurance to provide exclusive rates. That’s a perk worth considering if you already enjoy shopping at these stores.
Alumni and Professional Organizations: Your College and Career Can Pay Off
Look beyond traditional groups; many alumni associations and professional organizations have teamed up with insurance providers to offer reduced rates on homeowners insurance. Whether you’re part of a university network or a trade union, checking with these organizations might save you money.
Taking Action for Better Rates
It's vital to take the initiative—don’t just wait for discounts to come your way. Call and inquire about rates through these organizations. Moreover, improve your home’s safety features, such as fire alarms or security systems, to further boost your insurance savings.
Tracking your insurance expenses and utilizing discounts can significantly impact your personal finances. As homeowners, managing these costs contributes to reaching financial goals sooner, whether for debt reduction, budgeting, or planning for retirement. The connections you build through community organizations can not only bolster your bank account but also enhance your overall well-being.
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