Contrary to what you might have been told, you don't really need to do very great things in order to get the cheapest policy that meets your needs. You may be alarmed to find out that all that's keeping you from far more affordable Washington homeowner insurance rates are simple things you can quickly deal with. Following are a good number of things that will help you achieve that goal...
1. You'll pay less if you've got motion-sensitive lighting on your property. Your house becomes less attractive to thieves as they'll be noticed easily. Since thieves keep off from homes with such lighting, you lower your home's risk of burglary and, by extension, your rates.
2. Ensure you do NOT leave ladders lying around. Doing this would be making a burglar's mission much easier. In the same manner, don't forget your tools or pieces of equipment on the lawn. Like ladders, tools and such could help a thief in breaking into your home. Keep them well and you'll be avoiding a high rate.
3. Ensure you do NOT make the mistake of not subtracting the land's worth from your home's cost as you apply for a home insurance policy. Those who ignorantly do this are paying a lot more than would do them any good. They just insure their house for its full value without deducting the land's cost.
If you did this quickly call your agent and review your coverage. Deduct the price of the land and you will realize that you'll need far less coverage.
Doing this will lower your Washington homeowner insurance rates by a huge margin and still leave with sufficient home insurance coverage. Do not ever forget that insuring the land your home is standing on is real waste of money since it does you no good whatsoever.
4. You will pay lower premiums if you choose to pay your Washington house insurance rates anually and not every month. This is because posting 12 bills by mail monthly costs your insurance company a lot.
Furthermore, each check you send attracts a transaction charge as well. They pay transaction fees twelve times instead of once anually for monthly payments. And, if you really come to think of it, these additional costs are eventually built into your rates.
Therefore, you will get lower rates if you decide to pay your premiums yearly. What you will save could be as much as 8.5% of your total monthly payments over the course of just a year.
5. Let your insurer be paid your premiums automatically and you will be given a considerable discount. All you have to do is to advise your bank or credit card company to send your premiums at certain periods automatically until advised to stop. In addition to saving you in rates you'll also save yourself much time and avoidable stress.
6. You can get lower rates on home insurance now by visiting a minimum of five quotes sites. Each site will require around 5 minutes or less to receive quotes. (Some folks fill in information that is not really correct about themselves. That isn't smart as the quotes you'll get this way won't do you any good).
You'll have to pick the best home insurance quote for you from the list of quotes received. It's as simple as that. But you could easily save hundreds of dollars.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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