Everyone in their right mind would be really pleased to discover a way of enjoying affordable rates provided such a way won't mean being left with less than adequate Washington house insurance coverage. You'll be shown several useful tips in this article...
1. Dead-bolt locks on every exterior door will help you attract a more affordable 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 Washington house insurance premiums, you'll spend far less.
2. If you can buy an umbrella policy and then reduce your homeowners' liability coverage you will save massively. Why this is so much recommended is that it even gives you better coverage for far less.
Don't forget what the liability part of your Washington homeowner's insurance policy caters for: To protect you from losses you could suffer because of injuries to people on your property. It should as well cover lawsuits that might be occassioned by this. But like every other thing in insurance, there is a limit to the amount that is covered and your homeowners' liability coverage might even be totally inadequate.
Nevertheless, an umbrella insurance policy will typically pay fully for even the craziest of lawsuits and all you'd have to pay are very affordable premiums.
3. Fixing a sprinkler will make you eligible for big discounts. They make a home better protected against fire damage and so makes your home a better risk. This means you get more affordable rates. It's quite costly so you will do well to ask your agent what you'll save if you have this installed. You can amortize the cost over several years thus lowering the difficulty in paying the amount involved in such a project.
4. You will likely lower your rate if you spend time to go through your Washington homeowner insurance policy at least once a year or whenever there are changes in your house. That expensive fur coat might no longer be worth as much as when you bought it.
If it's now worth less, you'll then do the sensible thing: Reduce your coverage accordingly and obtain lower rates as a result. However, a review may show it's now a lot more valuable and that you ought to increase coverage. Whichever way it goes, your best interest is being protected in either savings or maintaining enough coverage.
5. Does your house have fire escapes? Do not fail to tell your agent about this or you might lose the discount you are entitled to. And this applies even if yours are as simple as rope ladders for rooms in the upper stories of your house. Make sure you have a fire escape except you don't intend to benefit from this savings opportunity. And do not forget to find out from your agent what your insurance company requires as a standard fire escape because complying with that guarantees savings.
6. You will save much if you really have between 25-30 minutes. Visit, obtain and compare home insurance quotes from selected insurance quotes sites. The lowest quote should be what you pick easily. Nevertheless, you have to look beyond simply the lowest price to the best price/value. The cheapest may not be the best price/value for you as a person.
Here are my favorite quotes sites (highly recommended)...
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