Whether you own a home or rent an apartment in St. Louis, protecting your property and belongings is essential. But just because insurance is a necessity doesn’t mean it has to break the bank. The good news? With the right strategies—and the right partner—you can save money on both homeowners insurance Missouri policies and renters insurance without sacrificing the coverage you need.
Here’s how to protect your investment and your budget at the same time.
1. Bundle Your Policies
One of the easiest ways to lower your premiums is to bundle your home or renters insurance with your auto policy. Most insurance carriers offer multi-policy discounts that can significantly reduce your overall cost.
💡 Tip: Bundling isn’t just convenient—it often results in savings of 10–25% annually.
Case Study #1: Big Savings Through Smart Bundling
Jessica owned a condo in St. Louis and was paying separate premiums for her auto and homeowners policies. After working with Mueller Insurance Services, she bundled her coverage under one provider. The result? She saved over $400 per year while actually improving her coverage limits. Better protection, lower cost.
2. Increase Your Deductible (If You Can Afford It)
Raising your deductible—the amount you pay out-of-pocket before insurance kicks in—can lower your monthly premiums. Just be sure the amount is reasonable for your financial situation.
🔍 Example: Increasing your deductible from $500 to $1,000 could reduce your premium by up to 15%.
3. Improve Home Security or Safety Features
Insurance broker St Louis rewards policyholders who minimize risk. Installing security systems, smoke detectors, or deadbolts can result in small but valuable discounts on both homeowners and renters insurance policies.
4. Maintain a Good Credit Score
Believe it or not, your credit score can impact your insurance rate. Insurers view good credit as a sign of financial responsibility and lower risk.
5. Reassess Your Coverage Annually
Your life and property change—your insurance should, too. An experienced insurance agent in St Louis can help you review your policy annually—especially if you’ve renovated your home, bought new electronics, or downsized—so you’re not overpaying for unneeded coverage or missing protection you truly need.
Case Study #2: Overpaying for Outdated Coverage
Mark had a renters insurance policy he set up years ago when he was in college. After a recent move to a more secure apartment complex in Clayton, he reviewed his policy with Mueller Insurance Services. They found he was overpaying for unnecessary add-ons and helped him restructure the policy—saving him $180 annually while ensuring coverage still matched his lifestyle.
Get the Right Coverage at the Right Price
Saving money on home and renters insurance doesn’t mean cutting corners. It means knowing where you can optimize—and working with a team that understands how to get you the best value.
At Mueller Insurance Services, we take the time to evaluate your current needs, compare carriers, and build a policy that offers the best balance of cost and coverage.
Explore Our Services, learn more About Us, or Contact Us today to request a custom quote and start saving with confidence.