How a Homeowner in Mills River, NC Saved 16% on her Insurance Premium with Homeowner Premium Advocates

 

At Homeowner Premium Advocates (HPA), our mission is is simple: to help homeowners uncover hidden opportunities to save on their insurance while maximizing the value of their homes. Recently, one of our clients, Janet Heron of Mills River, NC, experienced first-hand the impact of our inspection and advocacy process—and the results were remarkable.

 

Janet’s Challenge

 

Like many homeowners, Janet was frustrated by the rising cost of her homeowners insurance. Despite having maintained her home diligently, she had never had a specialized inspection conducted with her insurance policy in mind. That’s where Homeowner Premium Advocates stepped in.

 

The HPA Inspection Advantage:

 

Our team performed a comprehensive insurance-focused inspection of Janet’s home, examining areas often overlooked by standard inspections. From storm protection features to safety updates and structural details, we documented improvements and strengths that her carrier, Progressive Insurance Company, had not accounted for in her existing policy.

 

The Results: Big Savings, Valuable Insights

 

Premium Reduction: After HPA compiled and submitted our detailed inspection report to Progressive, Janet’s annual insurance premium was reduced by nearly 16%.

 

Actionable Home Upgrades: Beyond immediate savings, our report highlighted several minor upgrades totaling less than $1,000, such as updated smoke detectors, water sensors, and minor sealing work that would not only improve her insurance profile but also enhance her home’s marketability.

 

Future Benefits: Janet is planning to list her home next summer, and these cost-effective improvements will give her property an edge with buyers who value energy efficiency, safety, and low maintenance.

 

Janet’s Takeaway:

“Not only did I save money on my insurance, but I now have a clear plan for a few small upgrades that will pay off when I sell my home,” Janet shared. “I never realized how much of a difference this kind of inspection could make.”

 

Why It Matters:

For homeowners like Janet, the combination of immediate financial savings and long-term property value enhancements makes working with HPA a smart investment. Our process ensures your insurance carrier has accurate, updated information—and empowers you with insights to protect your home’s value.

 

Want to see how much you could save?

Contact Homeowner Premium Advocates today and let us uncover the hidden opportunities in your home.