Best Homeowners Insurance -- Six Sure-Fire Tips For Bigger Discounts

Contrary to all you might have been told, you don't really have to do very difficult things in order to attract the cheapest policy that meets your needs. It's normally small things that help you get huge discounts. Let's look at some of them here...

1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, makes it easier for you to get lower home insurance home owner insurance rates. Your house becomes less attractive to thieves as they'll be noticed easily. The risk of burglary is a key factor in determining a home's risk to an insurance company and, by extension, your rate.

2. Do NOT leave ladders in places where anybody can easily use them. You might be helping thieves with the very equipment required for their activity. Don't also let your tools litter around. just as with ladders, tools and such could aid a thief in breaking into your house. Keeping these things properly will save you a lot of heartaches along with lower rates.

3. It is more expensive and very unnecessary to insure the land on which your house is standing. People do this without knowing. They just insure their house for its complete value without subtracting the land's cost.

If you did such ignorantly, you'll have to review your home insurance coverage and check it again with your agent. Lower 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. Always remember that insuring the land your house is standing on is real waste of money since it does give you any added advantage.

4. You will pay lower home owner insurance rates if you choose to pay your premiums anually and not monthly. A strong reason for this is the cost an insurance company incurs for posting you 12 bills instead of just one each year.

The cost increases if you add the fact that they pay transaction charges for processing each check you give them monthly as payment. twelve checks mean 12 transactions which incur 12 different transaction charges. These and other costs so incurred by your insurer are ultimately paid by you, the insured..

You will make considerable savings if you choose to pay yearly. What you'll save could be as high as 8.5% of your total monthly premiumss over the course of just a year.

5. Let your insurance carrier be paid your premiums automatically and you will be given a considerable discount. All you have to do is to advise your bank or credit card company to send your premiums at at a particular time automatically until advised to stop. In addition to saving you in premiums you will also save yourself much time and avoidable stress.

6. You will save a lot if you really have between 25-30 minutes. Visit, obtain and compare home insurance quotes from selected quotes sites. The lowest offer should be what you pick easily. But, you have to go beyond simply the cheapest price to the best price/value. The cheapest may not be the best price/value for you as an individual.

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