Cheaper Home Owner Insurance Quotes -- These Savings Tips Are Time-Tested

Have you succeeded in your bid to lower your home insurance insurance rate? Have you limited yourself to only tips that you got a long time ago? Are you quite certain you've exhausted all the ways there are to save considerably? I've got a few more proven tips here...

1. Make sure you have fire extinguishers in your house at very strategic points or close to all fire sources. For instance, your kitchen must have a good and working fire extinguisher. It's important that the fire extinguisher be adequate for the area it covers.

And, don't forget that you must keep them within easy reach. Doing this will help you lower your rates.

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2. Your premium will be cheaper if you maintain your home. Take care of those dead tree limbs on your land. They are capable of raising a liability claim. You'll be saving yourself a lot on home insurance in future by doing this.

3. Make sure you don't make the mistake of not subtracting the land's worth from the home's cost as you apply for a home insurance policy. Folks do this ignorantly. You've made same mistake if you insured your house for the price you purchased it without finding out the cost of the land it is standing on and deducting it.

If you did this quickly call your agent and review your home insurance policy. Deduct the land's cost and buy coverage only for your house and its contents.

With such a review you will reduce your rates considerably and still have adequate home insurance coverage. Bear it in mind that insuring the land your home is built on is real waste of money since it does you no good whatsoever.

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4. A home with a swimming pool is something everybody loves. But as far as your home insurance company is concerned it increases a home's risk and therefore incurs more expensive premiums.

While I won't tell you to avoid a swimming pool around your home, make sure you take all needed safety precautions. If you do not your home insurance rates will be substantially higher.

5. The most vital route to massive savings in home insurance is comparison shopping -- Given that you do it correctly. You can get quotes that will have a difference that exceeds $1,000. You could quickly save that much by simply going with the lowest quote. That should apply if you're simply after the lowest price. However, if you want the best price/value then you'd have to check the details of the lowest offers. Different insurers may have different exclusions for similar policies. It's a good idea to ask the agent what's included and what's excluded.

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