Best Home Insurance -- 6 Time-Tested Ways To Considerable Discounts

Contrary to what you might have heard, you don't really need to do very difficult things in order to get the most affordable policy that meets your needs. Just knowing a few compulsory steps and implememting them will make a real difference. I'll take some time out here to reveal some of those things...

1. You will as well get a discount if you have motion-sensitive lighting on your property. Your home becomes less attractive to thieves because they'll be spotted easily. Your home owners insurance rate will be lower once you've lowered your home's risk of burglary through such lighting.

2. Try to NOT let your ladders lie around within anybody's reach. They could really help a burglar. Do NOT also let your tools litter around. They also make breaking and entry a lot easier for burglars. Keeping these things properly will save you a lot of heartaches along with lower premiums.

3. Don't insure your home along with the land it is standing on as this is more expensive but needless. Some people pay much more than they should on home insurance because they make this mistake. Insuring your home for the purchased price without deducting the the land's cost is a big mistake.

If you made this mistake quickly meet with your agent and re-evaluate your home insurance policy. Reduce your coverage to the cost of your home and its contents minus the cost of the land.

Your premium will be cheaper and you'll still have adequate coverage if you do this right. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or damaged and your land is not one of such.

4. Yearly premium payments will save you much when compared to monthly payments. A major reason for this is the cost an insurance company incurs for sending you 12 bills instead of just one yearlly.

The cost shoots up if you include the fact that they pay transaction fees for processing each check you send them monthly. They pay transaction charges 12 times instead of once anually for monthly payments. And as with everything else, it's you the end user or insured who bears that cost.

Therefore opt for annual payments instead if you want to make savings through this means. The real amount you could save may differ but you may be able to save up to a month's premium worth with some insurers if you settle for this option.

5. Set up your account to pay your rates automatically and you'll get cheaper premiums for that. Simply tell your bank that you want an EFT (Electronic Fund Transfer) in favor of your insurance provider. Apart from being more convenient, you'll get a discount for this.

6. Take out some time to visit at least five insurance quotes sites that offer quotes on home insurance policies. This should require around 25 minutes. While you visit each quotes site, ensure you give the same information. Doing otherwise will produce misleading results. After you've received your home insurance quotes, compare them to see which serves your interest best in price/value.

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