Wednesday, September 16, 2009

Affordable Home Insurance Rates -- Easy Tips To Save Much More


You'll easily pay less for appropriate homeowners' insurance coverage if you have and make use of the right recommendations. But on the other hand, if you are given the wrong ones, even though you may still save, it will be by downgrading the quality of coverage you get. Here are some great ways to get cheaper rates without putting yourself at risk...

1. A fire-safe home exterior will help reduce your rates. Having things that are very inflammable or that help combustion around your building will make you pay higher rates. Bushes around your house should be cut and maintained at a distance of at least 10 feet from your building. The likelihood of a fire in a home is a very strong issue that influences your home owners insurance premium.

2. You will get cheaper rates if you've got motion-sensitive lighting on your property. Thieves generally don't like to operate in any place they could be easily seen or caught. The risk of burglary is a key factor in calculating a home's risk to an insurer and, by extension, your premium.

3. Dead-bolt locks on every exterior door will help you attract a cheaper rate. This makes it difficult for intruders or burglars to have their way. The more protected your home is against burglary, the lower the risk involved in insuring it.

4. You can reduce your home insurance rates by getting and comparing quotes from at least five good insurance quotes sites.

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