Affordable Homeowners Insurance -- 6 Sure-Fire Ways To Massive Savings

You don't have to do exceptional things in most cases in order to lower your home insurance rates. Just knowing some compulsory steps and applying them will make a big difference. I'll take the pains in this article to reveal some of those things...

1. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get cheaper home insurance premiums. Your home becomes less attractive to thieves since they'll be spotted easily. Since thieves avoid homes with such lighting, you lower your home's risk of burglary and, by extension, your rates.

2. Don't leave ladders in places where anyone can easily use them. You might be providing thieves with the very tools required for their operation. Do not also abandon your tools, machinery or such on the lawn or wherever in the open as they could lead to accidental injury and increase your liability claims. Like ladders, tools and such could help a burglar in breaking into your house. All such things will ultimately increase premium if you do not keep them in the properly.

3. It is more expensive and needless to insure the land on which your home is standing. People who ignorantly do this are paying a lot more than would be of any benefit. Insuring your home for the full price you bought it without subtracting the the land's worth is an expensive error.

If you did such ignorantly, you'll have to re-evaluate your home insurance coverage and go through it again with your agent. Deduct the land's cost and use only the cost of your structures and its contents.

Doing this will reduce your homeowners insurance rates by a huge margin and still have adequate home insurance coverage. Always remember that insuring the land your home is standing on is plain waste of money because it does give you any added advantage.

4. You will pay cheaper premiums if you elect to pay your premiums yearly and not every month. This is because sending you twelve bills by mail each month costs your insurance company much.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you give them monthly as payment. They pay transaction charges twelve times instead of once a year for monthly payments. And as with every other thing, it is you the customer or policy holder who will be responsible for that cost.

Therefore choose yearly payments instead if you want to make savings this way. What you'll save could be as high as 8.5% of your total monthly payments over the course of just one year.

5. Having your premium removed automatically from your account will bring about cheaper homeowners insurance rates. If you do NOT have an idea on how to do this, ask your banker or agent. In addition to saving you in rates you will also save yourself much time and hassles.

6. You will save a lot of money in home insurance if you get and compare home insurance quotes from quotes sites. You'll realize savings if you use just one quotes site. However, you'll get more by using at least five. The simple logic in this is that you will obtain a greater number of home insurance quotes from a wider range of insurance companies. This increases your chances of getting better rates.

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