This article is about other ways you can get cheaper Washington home owner insurance rates. Also take note of the precaution you are advised to take as you implement these tips...
1. Do you have smoke and fire detectors fixed in your home? You will attract more affordable premiums especially if you've fixed the right numbers for your size and type of house.
With such detectors fires will be noticed quickly and put out more easily before they can cause any serious damage. Don't forget that whatever lowers the possibility of a fire in your home brings down your rate.
2. Fixing dead-bolt locks on all exterior door will bring down your Washington home owner insurance premium. They will make it harder for burglars to get into your house. And as you know, the less the risk of burglary in a home, the lower premiums it will attract.
3. You'll pay lower rates if you elect to pay your premiums anually and not every month. Your insurer sends 12 notices for monthly payments instead of one for annual payments. This costs them more.
If you include the fact that each check you cut is seen as a transaction by their bankers, you will see that they still spend some more on transaction fees for each check you pay in. twelve checks are 12 transactions which incur 12 different transaction charges. These and other charges so incurred by your insurance company are eventually borne by you, the policy holder..
Therefore, you'll attract cheaper premiums if you choose to pay your premiums anually. The real amount you could save might differ but expect to save up to a month's premium worth with most insurers if you choose this option.
4. Considering nothing remains the same for ever, it's a good step to go over your Washington house insurance policy from time to time to be certain you neither have more than you should nor have insufficient coverage. The worth of your diamond ring might have dropped considerably and so need that you review your coverage.
You'll save and still have sufficient coverage by reducing your Washington homeowner's insurance coverage accordingly if it has dropped in its worth. But know that the contrary could also be the case where you would have to purchase additional coverage because it has risen in its worth. Whichever way it goes, your best interest is being protected in either savings or ensuring sufficient coverage.
5. A CLUE (comprehensive Loss Underwriting Exchange) report is an important document for every home buyer. It will show you issues that could cost you in insurance.
Residing in a town where there is only a volunteer fire service, for instance, will surely mean you'll pay more expensive rates. Having a house near to a police station or fire hydrant will also reduce your Washington homeowners' insurance rates.
Get such helpful information before buying a house. The little savings you made on buying the wrong home might pale in significance to the premiums you'll pay over the years.
6. You can lower your Washington home owner's insurance costs by getting and evaluating quotes from at least five good quotes sites.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
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