As homeowners across Long Island, including Suffolk County and Nassau County, continue to navigate rising property values, increased storm activity, and the overall cost of living, finding ways to reduce homeowners insurance premiums has become more important than ever. The good news? There are practical, effective steps you can take in 2026 to keep your policy affordable—without sacrificing the protection your home deserves.
Here are the Top 10 Ways to Lower Your Homeowners Insurance Premiums in 2026, brought to you by your local independent insurance agency, Newbrook Insurance Agency.
1. Increase Your Deductible
Raising your deductible is one of the simplest ways to reduce your premium. If you can comfortably afford a higher out-of-pocket cost in the event of a claim, your insurer may reward you with lower monthly or annual payments.
2. Bundle Your Policies
Home and auto bundles continue to be one of the most effective ways to save. Many carriers offer multi-policy discounts that can significantly reduce your homeowners insurance premium. As an independent agency, Newbrook Insurance Agency can compare bundle options across multiple carriers—not just one.
3. Improve Home Security
Investing in monitored alarm systems, smart locks, security cameras, or even simple upgrades like deadbolts can reduce your risk profile. Insurers often provide discounts for certified security systems that help prevent theft or vandalism.
4. Upgrade Your Roof
On Long Island, wind, rain, and Nor’easters make roof condition a major factor in your premium. Replacing an aging roof with modern, impact-resistant materials can reduce your risk of storm damage and may qualify you for substantial homeowners insurance discounts.
5. Mitigate Water-Damage Risks
Water damage is one of the most common causes of claims in Suffolk County and Nassau County. Installing a water-leak detection system, sump pump, back-flow valve, or smart-water shutoff device can reduce both your risk and your premium.
6. Maintain Good Credit
Many carriers consider credit history when determining rates. Paying bills on time, reducing debt, and monitoring your credit score can improve eligibility for lower premiums.
7. Review Your Coverage Annually
Home values, personal belongings, and risk factors change. A yearly policy review—especially with a local independent insurance agency that understands Long Island's unique market—ensures you’re not paying for outdated or unnecessary coverage.
8. Avoid Small Claims When Possible
If you frequently file small claims, insurers may see you as high-risk. When appropriate and affordable, handling minor repairs out-of-pocket can help keep your premiums lower long-term.
9. Ask About Available Discounts
From first-time homeowners to retirees to military families, insurers offer a wide range of discounts that often go unused simply because policyholders don’t know to ask. Newbrook Insurance Agency can help identify discounts you qualify for across multiple carriers.
10. Work With a Local Independent Insurance Agency
This might be the most valuable step of all. Unlike captive agents who represent a single carrier, Newbrook Insurance Agency works with many top-rated insurers. That means we can shop the market for you, comparing coverage and pricing to ensure you get the best value on your homeowners insurance in Long Island, Suffolk County, and Nassau County, New York.
Final Thoughts
Lowering your homeowners insurance premiums in 2026 doesn’t have to be complicated. With the right strategies—and the right team advocating for you—you can reduce costs while still protecting your most important investment.
If you live on Long Island and want a personalized homeowners insurance review, Newbrook Insurance Agency is here to help. As your trusted local independent insurance agency, we’ll walk you through discounts, coverage options, and smart upgrades that can keep your premiums low and your home protected.