Contrary to what you might have been told, you don't really have to do very difficult things in order to get the most affordable policy that gives you sufficient coverage. It's usually overlooked things that result in huge discounts. I'll take the pains in this article to explore such things (Get tips for all your policies here: http://www.quality-insurance-4-less.com/)...
1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get lower home insurance premiums. Burglars understandably don't like to operate in any environment they could be easily seen or caught. Your Massachusetts home owner insurance rate will be reduced once you've reduced your home's risk of burglary through this type of lighting.
2. Try to NOT leave your ladders within anybody's reach. You might be providing thieves with the very tools they need for their operation. Don't as well leave pieces of tools lying around. Like ladders, tools and such could help a thief in breaking into your house. Keep them well and you'll not increase your rate.
3. It's more expensive and very unnecessary to insure the land on which your home is built. Folks do this ignorantly. You've made same mistake if you insured your house for the price you bought it without finding out the cost of the land it's standing on and subtracting it.
If you did this quickly meet with your agent and re-evaluate your home insurance policy. Deduct the land's price and you will find out that you will need far less coverage.
Your premium will be less and you'll still have adequate coverage if you do this right. No matter what you do and who you meet, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.
4. You will pay cheaper premiums if you elect to pay your premiums yearly and not monthly. This is because posting twelve bills by mail each month costs your insurance company much.
If you add to the fact that each check you make out is considered a transaction by their bankers, you'll see that they still pay some more on transaction fees for each check you pay in. 12 checks mean 12 transactions which attract 12 separate transaction charges. And as with everything else, it's you the client or insured who will be responsible for that cost.
Therefore opt for annual payments instead if you want to save through this means. The actual amount you could save might differ but expect to save up to a month's premium worth with some insurance companies if you settle for this option.
5. Set up your account to pay your premiums automatically and you'll get more affordable premiums for that. Just tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurance provider. In addition to saving you in premiums you'll also save yourself a lot of time and hassles.
6. Take out some time to visit a minimum of 5 insurance quotes sites that provide quotes on home insurance policies. Doing this will require not more than 25 minutes.
While you visit each site, make sure you input the same information. Doing otherwise will return misleading results. When you've obtained your home insurance quotes, compare them to determine which serves your interest best in price/value.
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