So, You Want to Save on Home Insurance but Still Have a Roof?<\/strong>\u00a0<\/h2>\n\n\n\nFirst off, welcome to the club. Between rising costs and rising … rain levels, you’re probably looking at your bills and wondering if you accidentally insured the Space Needle instead of your charming split-level in Spokane. But fear not: There are real, legal, and non-soggy ways to get cheap home insurance in Washington. If you’re looking for practical ways to lower home insurance costs, let’s break it down. <\/p>\n\n\n\n
#1. Bundle It Like a Burrito (Combine Auto + Home = Sweet, Sweet Discounts)<\/strong> <\/h2>\n\n\n\nIf you’re already insuring your car (and you better be, you Washingtonian rebel), bundling it with your home insurance can unlock big savings. Think of it as your policy’s version of a value meal. <\/p>\n\n\n\n
With a bundle, the insurer sees you as loyal and slightly less likely to dip without notice, which they reward with a discount. Plus, it’s fewer bills to remember, and that’s a win for anyone who’s ever missed a payment because it was buried under three pizza coupons and a ballot reminder. <\/p>\n\n\n\n
So talk to your agent about what you can do: Maybe it makes sense to bundle your home (or rental), car, and other policies into one cost-saving package. In fact, you can even bundle your furry friends into your home insurance policy<\/a>. <\/p>\n\n\n\n#2. Raise That Deductible, Responsibly (A Higher Deductible = Lower Monthly Premiums)<\/strong> <\/h2>\n\n\n\nLet’s be real: You’re not filing a claim every time a raccoon throws a tantrum on your deck. If your home is in relatively good shape, consider raising your deductible. After all, real life insurance isn’t like the Game of Life<\/a> \u2014 you’re not going to collect on your policy just because you happened to land on the “Collect Insurance Payout” space on the board. <\/p>\n\n\n\nJust be smart. Don’t go from a $500 deductible to $5,000 unless you’ve got that kind of cash under your mattress (and if you do, put it in a bank!). Think of it as betting on yourself \u2014 just not in the financially ruinous way that guy at the Tacoma casino did. <\/p>\n\n\n
\n![\"Man](\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2025\/05\/vf-how-to-save-on-home-insurance-without-living-in-a-tent-2.jpg\")
<\/figure><\/div>\n\n\n#3. Install Safety Features (This Is Your Smoke Alarm’s Time to Shine)<\/strong> <\/h2>\n\n\n\nYou know what insurance companies love? Boring houses. Not aesthetically, but in terms of claims. They love homes that don’t catch on fire or flood every other month. <\/p>\n\n\n\n
So go wild: <\/p>\n\n\n\n
\n- Install smoke detectors.\u00a0<\/li>\n<\/ul>\n\n\n\n
\n- Get a monitored security system.\u00a0<\/li>\n<\/ul>\n\n\n\n
\n- Replace that 1970s wiring that’s one bad hair dryer away from combustion.\u00a0<\/li>\n<\/ul>\n\n\n\n
These little upgrades show you’re serious about keeping your home intact, and insurers will thank you with lower homeowners insurance (although home burglars may not thank you<\/a>). Bonus: You also get to feel like James Bond every time your security system chirps when you open the door. <\/p>\n\n\n\n#4. Ask About Discounts (Seriously, Just Ask)<\/strong> <\/h2>\n\n\n\nLook, you don’t get what you don’t ask for \u2014 unless you’re a raccoon in Olympia. Then you get everything, including the good trash. <\/p>\n\n\n\n
But you? You need to speak up. Many insurers offer discounts for: <\/p>\n\n\n\n
\n- Being claim-free\u00a0<\/li>\n<\/ul>\n\n\n\n
\n- Having a new roof\u00a0<\/li>\n<\/ul>\n\n\n\n
\n- Being a non-smoker (yes, really)\u00a0<\/li>\n<\/ul>\n\n\n\n
\n- Being a member of an HOA (sometimes a good thing, shockingly \u2014 especially if you have a seat on the HOA board)\u00a0<\/li>\n<\/ul>\n\n\n\n
Just call and ask, “Hey, what discounts am I missing out on?” Worst case? They say none. Best case? You start saving enough each month to justify your third cold brew of the day. That’s one of the best tips to reduce home insurance premiums, in fact. <\/p>\n\n\n\n
#5. Let Vern Fonk Do the Price-Hunting for You<\/strong> <\/h2>\n\n\n\nWe get it \u2026 you don’t want to spend hours comparing quotes or deciphering insurance jargon that reads like IKEA assembly instructions. <\/p>\n\n\n\n
That’s where we come in. At Vern Fonk, we shop around, so you don’t have to. We’re like your insurance personal shopper, minus the judgment and plus a lot more flannel. Let us<\/em> do the hard part. <\/p>\n\n\n\nWe’ll Help You Cut Costs, Not Comfort \u2014 Call Vern Fonk<\/strong> <\/h2>\n\n\n\nLiving in Washington means you already battle mold, moss, and passive-aggressive neighbor notes. Your home insurance shouldn’t be another fight. Whether you’re in Seattle, Spokane, or somewhere in between, Vern Fonk is here to help you save money on home insurance, stay dry, and avoid life in a tent. <\/p>\n\n\n\n
Let’s be real: The only people who should be living in tents around here are REI employees doing “product testing.” You? You deserve a roof, a reasonable premium, and the joy of yelling “Vern Fonk!” when you get your quote. Give us a call at (800) 455-8276<\/a>, get your customized quote online<\/a>, or visit us in person<\/a> today to get rocking and rolling with affordable homeowners insurance in Washington.\u00a0<\/p>\n\n\n\n<\/div>\n\n\n\n
If you’re already insuring your car (and you better be, you Washingtonian rebel), bundling it with your home insurance can unlock big savings. Think of it as your policy’s version of a value meal. <\/p>\n\n\n\n
With a bundle, the insurer sees you as loyal and slightly less likely to dip without notice, which they reward with a discount. Plus, it’s fewer bills to remember, and that’s a win for anyone who’s ever missed a payment because it was buried under three pizza coupons and a ballot reminder. <\/p>\n\n\n\n
So talk to your agent about what you can do: Maybe it makes sense to bundle your home (or rental), car, and other policies into one cost-saving package. In fact, you can even bundle your furry friends into your home insurance policy<\/a>. <\/p>\n\n\n\n Let’s be real: You’re not filing a claim every time a raccoon throws a tantrum on your deck. If your home is in relatively good shape, consider raising your deductible. After all, real life insurance isn’t like the Game of Life<\/a> \u2014 you’re not going to collect on your policy just because you happened to land on the “Collect Insurance Payout” space on the board. <\/p>\n\n\n\n Just be smart. Don’t go from a $500 deductible to $5,000 unless you’ve got that kind of cash under your mattress (and if you do, put it in a bank!). Think of it as betting on yourself \u2014 just not in the financially ruinous way that guy at the Tacoma casino did. <\/p>\n\n\n You know what insurance companies love? Boring houses. Not aesthetically, but in terms of claims. They love homes that don’t catch on fire or flood every other month. <\/p>\n\n\n\n So go wild: <\/p>\n\n\n\n These little upgrades show you’re serious about keeping your home intact, and insurers will thank you with lower homeowners insurance (although home burglars may not thank you<\/a>). Bonus: You also get to feel like James Bond every time your security system chirps when you open the door. <\/p>\n\n\n\n Look, you don’t get what you don’t ask for \u2014 unless you’re a raccoon in Olympia. Then you get everything, including the good trash. <\/p>\n\n\n\n But you? You need to speak up. Many insurers offer discounts for: <\/p>\n\n\n\n Just call and ask, “Hey, what discounts am I missing out on?” Worst case? They say none. Best case? You start saving enough each month to justify your third cold brew of the day. That’s one of the best tips to reduce home insurance premiums, in fact. <\/p>\n\n\n\n We get it \u2026 you don’t want to spend hours comparing quotes or deciphering insurance jargon that reads like IKEA assembly instructions. <\/p>\n\n\n\n That’s where we come in. At Vern Fonk, we shop around, so you don’t have to. We’re like your insurance personal shopper, minus the judgment and plus a lot more flannel. Let us<\/em> do the hard part. <\/p>\n\n\n\n Living in Washington means you already battle mold, moss, and passive-aggressive neighbor notes. Your home insurance shouldn’t be another fight. Whether you’re in Seattle, Spokane, or somewhere in between, Vern Fonk is here to help you save money on home insurance, stay dry, and avoid life in a tent. <\/p>\n\n\n\n Let’s be real: The only people who should be living in tents around here are REI employees doing “product testing.” You? You deserve a roof, a reasonable premium, and the joy of yelling “Vern Fonk!” when you get your quote. Give us a call at (800) 455-8276<\/a>, get your customized quote online<\/a>, or visit us in person<\/a> today to get rocking and rolling with affordable homeowners insurance in Washington.\u00a0<\/p>\n\n\n\n#2. Raise That Deductible, Responsibly (A Higher Deductible = Lower Monthly Premiums)<\/strong> <\/h2>\n\n\n\n
<\/figure><\/div>\n\n\n#3. Install Safety Features (This Is Your Smoke Alarm’s Time to Shine)<\/strong> <\/h2>\n\n\n\n
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#4. Ask About Discounts (Seriously, Just Ask)<\/strong> <\/h2>\n\n\n\n
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#5. Let Vern Fonk Do the Price-Hunting for You<\/strong> <\/h2>\n\n\n\n
We’ll Help You Cut Costs, Not Comfort \u2014 Call Vern Fonk<\/strong> <\/h2>\n\n\n\n