🏡 How Leslie Lowered Her Homeowners Insurance Without Losing Good Coverage

Meet Leslie—a single mom living in Oklahoma with her two kids, a playful dog named Max, and a cozy three-bedroom home that she works hard to keep safe and warm. She’s no stranger to budgeting, but lately, it’s felt like every bill is growing faster than her paycheck. Between rising grocery prices, gas, and school expenses, there wasn’t much wiggle room left.

Then came the big one—her homeowners insurance premium shot up. Again. 

Leslie needed insurance (after all, this is tornado country 🌪️), but she couldn’t afford to keep overpaying. So she got smart, did her homework, and made some changes. The result? Lower monthly costs without giving up the coverage her family needs.

Here’s how she did it—and how you can too.

Bundle Up and Save 💼🚗🏠

Leslie realized she had her car insurance and home insurance with two different companies. She’d set them up at different times and never thought much about it. But during one lunch break, she decided to call around and ask about “bundling”—a word she’d heard but never looked into.

Turns out, if you get your auto and homeowners insurance from the same company, you can often get a big discount. One company offered to bundle both policies and cut her home premium by over $300 a year. 

That extra money helped cover school clothes, a few family outings, and gave her more breathing room in her monthly budget. The best part? Her coverage didn’t change at all. Same protection—just smarter pricing.

Leslie’s tip: Always ask about multi-policy discounts. Even renters can bundle with auto!

Raise That Deductible (Just a Bit) 📉💰

Leslie had always kept her deductible low—just $500—because she worried about having to pay out-of-pocket during an emergency. But once she looked at her emergency savings (she’d been tucking away a little each month), she realized she could safely raise it to $1,000.

Doing that lowered her premium by almost $20 a month—that’s $240 a year in savings!  She didn’t lose any coverage, and she felt good knowing she had a cushion just in case.

It was a trade-off: more responsibility if something happened, but way more savings if nothing did.

CLICK HERE to learn more about choosing the right deductible! 

Leslie’s tip: If you have some savings set aside, raising your deductible is an easy win. Just make sure you can cover it if needed.

Your Credit Score Matters 📊💳

Leslie had always associated her credit score with credit cards and loans—not insurance. But after a little research, she discovered that most insurers use something called a “credit-based insurance score” to help set rates (in most states).

She checked her credit report online and was shocked to find a couple of mistakes—an old phone bill marked as unpaid and a duplicate account. She filed disputes and got them removed. 📈

She also started paying bills on time, kept her credit card balances low, and watched her score slowly rise. By the time her next renewal came around, her credit score had improved enough to unlock even more savings.

Leslie’s tip: Monitor your credit a few times a year. Free tools make it easy, and cleaning up small errors can lead to big savings.

Review, Remove, Refresh 📝🧹

In the past, Leslie never read her insurance policy. It was just another bill to pay. But this time, she sat down with her agent (and a cup of strong coffee ) and asked, “Can you walk me through this?”

What they found surprised her:

• She was still paying coverage for a shed that had been torn down two years ago

• Her new kitchen appliances and electronics weren’t even listed

• She didn’t have any of the loyalty discounts she now qualified for

By removing outdated coverage and updating her inventory, she got a policy that reflected her real life today—not the one from years ago.

Leslie’s tip: Review your policy every year. Things change—your coverage should, too.

💡 Leslie’s Takeaway

At the start of the year, Leslie felt like everything was out of her control—especially her bills. But by asking questions, comparing options, and making a few smart upgrades, she took back control. 

Her family is just as protected as before, but now she’s spending less each month. And those savings? They’re helping her build a better cushion for the future.

If Leslie can do it, so can you. 

👉 Ready to lower your homeowners insurance?

Start by:

• Reviewing your current policy

• Asking about discounts

• Updating your safety features

• Keeping your credit score in check

You might be surprised how much you can save—without giving up the protection your home deserves.

📞 Need Help?
Call us at (405) 321-4664 to talk with a local agent—no pressure, just helpful advice.  We’ll help you figure out what you really need!

🖱️Click Here to get an online quote—it’s quick, easy, and hassle-free!

We’re here to help you protect what matters most—before and after the storm!