Homeowners Insurance -- 7 Sure Tips

Everyone can get high quality coverage without breaking the bank. You just need the right information and the discipline to practice what you'll be taught to get a cheaper rate. Let us now look at a number of sure-fire ways to get this done...

1. It's more expensive but needless to insure the land on which your home is built. Folks do this ignorantly. You've made the same mistake if you insured your home for the price you bought it without checking the cost of the land it's standing on and subtracting it.

For those who've ignorantly done this, call your agent and check your home insurance coverage again. Deduct the cost of your land and buy coverage only for your house and its contents.

Your premium will be less and you'll still have enough coverage if you do this right. Bear it in mind that insuring the land your house is standing on is real waste of money because it does NOT give you any added advantage.

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2. The amount you pay is partly determined by your credit history. The poorer your credit rating, the higher the rates you attract. If your credit rating is poor then you've been missing important payments. No insurer likes this as it suggests a pattern you're very likely to repeat in the payment of premiums. This marks you out as a bigger risk and so attracts a higher rate.

So do all within your power to clear all your bills in a promptly. You will get lower rates if you do.

3. Making your premium payments once every year will save you a lot when compared to monthly payments. A major reason for this is the cost an insurance company incurs by posting you twelve payment notices instead of just one each year.

If you add to the fact that each check you send is considered a transaction by their bankers, you'll see that they still spend extra on transaction fees for each check you pay in. They pay transaction fees 12 times instead of once annually for monthly premiums. And as with every other thing, it is you the client or insured who will be responsible for that cost.

You will make considerable savings if you choose to pay annually. You could save up to a month's premium in just a single year.

4. Ensure that the exterior of your home is fire-safe and your rate will be cheaper. You'll be doing the right thing if you ensure there's nothing that is inflammable close to your home. Bushes near your home should be cut and maintained at a distance of at least 10 feet from your structure. This is because how fire-safe a home is goes a long way in shaping what it will cost to insure it.

5. You will as well enjoy a discount if you have motion-sensitive lighting in your home. Your home becomes a no-go area for thieves since they'll be noticed easily. Your rate will be lower once you've reduced your home's risk of burglary with this kind of lighting.

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6. Fixing dead-bolt locks on every exterior door will bring down your home insurance rate. This makes it hard for intruders or burglars to break in. And because a home's risk of burglary is a strong determinant of home insurance premiums, you'll spend far less.

7. Fitting window locks on all your windows will help reduce your home's risk of burglary. Look forward to pay far cheaper rates if you've windows that have burglary-proof bars If you're not one of those folks who feel so uncomfortable with these kind of fittings, they'll help you get considerable discounts. If you're not one of those people who insist that having such amounts to being imprisoned in their own house, have them fixed if you want to reduce your home insurance premiums by a huge margin.
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