Homeowners Insurance -- 7 Sure Tips

It is really very easy for you to get the right coverage at a low price. The two things that that keep you from getting a more affordable rate now are the right information and a motivation to make use of the information you get -- Period. Below are several steps that will help you reach this goal...

1. Don't insure your house along with the land it is standing on as this will cost you more but quite unnecessary. Some folks pay much more than they should on home insurance because they made this mistake. You've made the same mistake if you insured your home for the price you bought it without finding out the cost of the land it's standing on and subtracting it.

If you made such a mistake, you'll have to review your home insurance coverage and check it again with your agent. Deduct the land's cost and you'll find out that you will need far less coverage.

Doing this will reduce your premiums considerably and still leave with sufficient home insurance coverage. Since insurance is for valuables that can be lost or damaged, insuring the land which can neither be lost or damaged isn't right.

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2. You'll spend more or less depending on your credit history. People who have excellent ratings spend far less than those who have low ratings. What your credit rating shows is how you treat your bills and it speaks badly about you if it's a poor one. This is a behavior that most insurance carriers believe will be exhibited in the way you pay up your premiums. This makes you a bigger risk and so justifies a higher rate.

It will, therefore, be a good step to do something about improving your credit rating. Apart from the other benefits in doing so, it will help you get cheaper home insurance rates.

3. Making your premium payments once every year will save you a lot when compared to monthly payments. A strong reason for this is the cost an insurer incurs by sending you twelve payment notices instead of just one each year.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you send them monthly. 12 checks are 12 transactions which mean 12 separate transaction charges. These and other costs so incurred by your insurance company are eventually borne by you, the policy holder..

Therefore choose yearly payments instead if you want to make savings this way. The real amount you could save might differ but you may be able to save up to a month's premium worth with some insurers if you choose this option.

4. Make sure that the exterior of your home is fire-safe and your rate will be more affordable. Do you have things that could likely help combustion close to your house? They'll make you pay more. Bushes around your house should be cut and maintained at not less than ten feet from your building. The risk of fire in a home is a very strong issue that shapes your home insurance rate.

5. You'll pay less if you have motion-sensitive lighting in your home. Burglars will keep off from places where their movement will be easily observed. And motion-sensitive lighting does this exactly. The risk of burglary is a strong factor in checking a home's risk to an insurance company and, by extension, your rate.

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6. Dead-bolt locks on all your exterior doors will help you get a lower rate. This makes it hard for intruders or burglars to have their way. And since a home's risk of burglary is a key factor in calculating your home insurance rates, you'll pay far less.

7. Do you have locks on all your windows? If you do NOT you'll be spending more because of that. You'll save even much more if you go further to get burglary-proof bars fixed on all of them. Therefore, if you don't mind having burglary-proof bars in your house, have them built in and you'll be charged much less in your home insurance rate.
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