Affordable Homeowner Insurance -- 6 Sure-Fire Steps To Massive Savings

It doesn't usually take applying very many tips to get massive savings while maintaining adequate coverage. It's generally little things that result in massive savings. Here are several tips that will bring you closer to the goal...

1. Motion-sensitive lighting lowers your home's risk of burglary and, as a result, makes it easier for you to get lower home insurance premiums. Burglars will keep off from places where their activities will be easily noticed. And motion-sensitive lighting does this exactly. Your homeowners' insurance rate will be lower once you've reduced your home's risk of burglary with this kind of lighting.

2. Do your best to NOT let your ladders lie around within anybody's reach. Keeping it in such a manner would be making a thief's operation a lot easier. Do not also abandon your tools, machinery or such on the lawn or wherever in the open as they could cause accidental injury and add to your liability claims. just as with ladders, tools and such could help a burglar in breaking into your house. Keeping these things properly will save you a lot of heartaches along with cheaper premiums.

3. Do not insure your home along with the land it is built on as this is more expensive but very unnecessary. Some people pay much more than they should on home insurance due to this mistake. They just insure their home for its full value without deducting the cost of the land.

If you made such a mistake, you'll have to review your home insurance coverage and check it again with your agent. Deduct the land's cost and buy coverage only for your house and its contents.

Your premium will be less and you'll still have sufficient coverage if you do this right. Bear it in mind that insuring the land your home is standing on is real waste of money because it does give you any added advantage.

4. Yearly premium payments will save you a lot when compared to monthly payments. An insurer is compelled to send you 12 notices for monthly payments as against one for annual payments. This increases their overhead.

If you add to the fact that each check you give is seen as a transaction by their bankers, you'll see that they still spend extra on transaction fees for each check you pay in. Twelve checks mean 12 transactions and will attract 12 separate charges.. And as with every other thing, it is you the customer or insured who will be responsible for that cost.

Therefore opt for yearly payments instead if you want to make savings this way. You could save up to a month's premium within a year.

5. Having your premium deducted automatically from your account will result in more affordable home owners insurance rates. Simply let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurer. This is recommended because of how easy it is and the fact that it gets you a discount.

6. You will save much if you only have between 25-30 minutes. Visit, get and compare home insurance quotes from various quotes sites. The cheapest quote should be your choice easily. Nevertheless, you have to go beyond just the cheapest price to the best price/value. The lowest priced may not offer the best price/value for you as a person.

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