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Saturday, August 15, 2009

Affordable Homeowners' Insurance -- 6 Sure-Fire Steps To Bigger Discounts


This article will show you other ways you can get cheaper homeowners’ insurance rates. Don't fail to take note of the precaution you're advised to take as you make use of these tips...

1. Fix smoke and fire detectors. Fix the right numbers of smoke and fire detectors for your size and type of house if you intend to use this to get lower rates. If you have them, always remember to replace their batteries twice yearly.

The reason for this reduction in your rates is that these make it much easier for fires to be spotted before they can do any damage. And because the risk of fire in a house is a defining factor in calculating rates, you will pay far less by taking this step.

2. Dead-bolt locks on every exterior door will help you get a cheaper rate. This makes it hard for intruders or burglars to have their way. The more secured your home is against burglary, the less the risk taken in insuring it.

3. Making your premium payments once every year will save you much when compared to monthly payments. Your insurance carrier sends 12 notices for monthly payments as against one for annual payments. This increases their overhead.

As if that was NOT enough expense, each check you send attracts its own transaction charge as well. 12 checks are 12 transactions which attract 12 separate transaction charges. These and other charges so incurred by your insurance company are eventually borne by you, the insured..

You will make considerable savings if you choose to pay annually. The actual amount you could save may differ but expect to save up to a month's premium worth with most insurers if you choose this option.

4. There's the chance that you could pay less for your homeowners’ insurance if you spend time to check your policy either whenever there's much change in your house or just regularly once of twice anually. That rare fur coat might no longer be worth as much as when you bought it.

Cut down your coverage by the same percentage if it has dropped in value and as a result you will save and still maintain sufficient coverage. Nevertheless, bear in mind that doing this could as well reveal that it is now worth a lot more and therefore demand that you increase your coverage.

5. You will save yourself avoidable home insurance expense if you get a CLUE (Comprehensive Loss Underwriting Exchange) report before purchasing a house. You will save because you'll know things that will make you spend more for your homeowners’ insurance coverage if you buy the house in question.

If a home is in a town that has only a volunteer fire service, you will pay higher rates. Having a house close to a police station or fire hydrant will also lower your homeowners’ insurance premiums.

Therefore, ensure you do NOT buy a home until you've checked this report. You could pay less for the home and end up spending a lot more on insurance.

6. You will save much if you only have between 25-30 minutes. Visit, get and compare homeowners’ insurance quotes from several insurance quotes sites. The cheapest quote should be what you pick easily. Nevertheless, you have to look beyond just the lowest quote to the best price to value ratio. The lowest priced may not offer the best price/value for you as an individual.

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