Best Home Insurance -- 6 Sure-Fire Tips For Bigger Discounts

Contrary to all you might have been told, you don't really need to do very exceptional things in order to get the most affordable policy that gives you adequate coverage. Just knowing a few compulsory steps and doing them will make a big difference. Let's go through a good number of them here...

1. You'll also get a discount if you have motion-sensitive lighting in your home. Burglars will avoid any place where their activities will be easily noticed. And motion-sensitive lighting does just that. The risk of burglary is a key factor in calculating a home's risk to an insurance company and, by extension, your premium.

2. Make sure you don't leave ladders hanging around. Keeping it in such a manner would be making a thief's job a lot easier. In the same vein, don't leave your tools or pieces of equipment on the lawn. They as well make breaking and entry much easier for thieves. Keep them away safely and you'll not increase your rate.

3. It's more expensive and needless to insure the land on which your house is built. A good number of folks pay much more than they should on home insurance because they make this mistake. You have made same mistake if you insured your home for the cost you bought it without checking the cost of the land it's standing on and subtracting it.

If you made such a mistake, you need to review your home insurance coverage and go through it again with your agent. Deduct the value of the land and you'll realize that you will need far less coverage.

Your premium will be cheaper and you'll still have sufficient coverage if you do this right. Because insurance is for valuables that can be lost or damaged, insuring the land which can neither get lost or damaged isn't right.

4. You'll pay cheaper premiums if you choose to pay your home owner insurance rates anually and not monthly. A strong reason for this is the cost an insurer incurs for posting you 12 bills instead of just one each year.

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. 12 checks mean 12 transactions and will attract 12 separate charges.. And, if you really come to think of it, these additional costs are eventually built into your rates.

So, you'll attract lower rates if you choose to pay your premiums anually. You could save up to a month's premium within a year.

5. Let your insurance provider be paid your premiums automatically and you will be given a good discount. Simply let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurance provider. Apart from being more convenient, you will be given a discount for this.

6. You can get savings of hundreds of dollars on your home insurance policy by obtaining insurance quotes from quote sites. The best strategy is to visit a minimum of five sites and ensuring that you input the same (correct) information about yourself. I recommend that you visit a minimum of five quotes sites as it will ensure you do not miss out offers not given by the other sites. This gives you a broader basis for doing more thorough comparisons thus increasing your chances of better quotes.

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