Home owner Insurance -- Find Out Ways To Get Discounts

Folks who understand what to do don't have any problems attracting the lowest rates without compromise to the quality of coverage they get. Read through this article if you would like to be part of this elite group who are paying very low home owners insurance rates while enjoying the right coverage...

1. You will pay lower premiums if you elect to pay your premiums annually and not every month. This is because sending you 12 bills by mail monthly costs your insurance company a lot.

Furthermore, each check you send attracts its own transaction charge too. Twelve checks mean 12 transactions and will attract Twelve separate fees.. And as with everything else, it's you the customer or insured who will be responsible for that cost.

As a result, you'll get cheaper premiums if you decide to pay your rates anually. The real amount you could save may differ but expect to save up to a month's premium worth with most insurance companies if you settle for this option.

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2. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get cheaper home insurance premiums. Thieves naturally don't like to operate in any environment they could be easily noticed or caught. Since thieves avoid houses with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

3. The type of building material you use can save you a great deal in home insurance. Buy a frame home if you want more resistance to earthquakes or buy a brick house if you want better resistance to high winds. Therefore, if you reside in the East, you'll get lower premiums if you buy a brick house. But if you live in the West, a frame house will save you considerably. You will save at least 5% if you use the preferred material for your building.

4. You will get reasonable discounts if you install a sprinkler system. The reason for this is that a sprinkler system is good for suppressing fires. It is slightly costly so you'll do well to ask your agent what you will save if you have this installed.

5. Ensure you don't fail to subtract the land's cost from the home's value while applying for a policy. Those who ignorantly do this are paying a lot more than would be of any benefit. Insuring your home for the purchased price without deducting the the land's cost is a big mistake.

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If you made this mistake quickly call your agent and re-evaluate your home insurance policy. Subtract the land's cost and you will find out that you will need far less coverage.

Your homeowners insurance rate will be less and you'll still have sufficient coverage if you do this right. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.

6. Take out some time to visit not less than five insurance quotes sites that offer quotes on home insurance policies. This will take you around 25 minutes. While you visit each quotes site, ensure you give the same information. Doing otherwise will give you misleading results. After you've obtained your home insurance quotes, compare them to see which serves your interest best in price/value.

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