Home Owner Insurance -- For Those Who Want Cheaper Rates

Do you want to reduce your homeowner insurance rate? If so, your search stops here as this write-up will teach you what to do and lead you to all you need to pay far less. I'll reveal many sure-fire recommendations that will make the difference. And this will be without reducing the level of coverage you enjoy. Here they are...

1. Using the same insurer for more than one policy will get you discounts. This is known as a multi-policy discount and is available with all insurers. Nevertheless, you might be better served by getting your policies from different insurance companies.

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2. You can make your house almost disaster proof thereby lowering your risk and, as a result, your homeowners insurance rates. Apart from making sure that you have everything in place to protect against fire and burglary, the following will help for various areas...

a. If you live in a locality that's very prone to wind damage, you will save much by fitting storm shutters.

b. Using a heavier roofing material will make your home more insurance friendly thereby making you save more on your home owners insurance premiums if you reside in a windy area.

If your area is prone to earthquakes, make sure you retrofit you home.

d. Cutting off dry branches on trees on your property will reduce the probability of a branch falling off and causing injury and/or damage.

e. You'll also do well if you plant your trees at a safe distance from your structures for many reasons. This is because tree limbs over or close to structures could easily cause extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material you use.

If want more ways to make your home more disaster-proof, consult your agent.

Also discover the cost-effectiveness of each suggestion you receive. You'll spend far less on your homeowner insurance if you implement these.

3. Do not insure your house along with the land it is built on as this will cost you more but needless. People who ignorantly do this are paying a lot more than would be of any benefit. They just insure their home for its full value without subtracting the land's cost.

If you made this mistake quickly call your agent and review your coverage. Reduce your coverage to the cost of your house and its contents minus the land's cost.

Your premium will be less and you'll still have adequate coverage if you do this right. Don't ever forget that insuring the land your home is standing on is plain waste of money because it does give you any added advantage.

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4. The level to which you reinforce your roof could make you eligible for a discount. This is truer if you reside in the East. Your agent should be able to give things you can do if you intend to have a discount this way. One easy step to take is to fix heavier shingles.

5. You may be spending a lot more if you've got a government homeowners insurance policy. It used to be very tough to find insurers if you reside in some high crime areas or places that were affected by particular natural disasters. Then it was just the government's policy that was available to them. But this has changed in some areas as some private insurance companies have braved it and worked out a way of offering insurance to such places.

Many may still have little or no other way of getting home insurance coverage apart from a government homeowners insurance. But for those whose areas are now serviced by private insurance companies, you can expect to pay more affordable rates than you would with government agencies.

6. The most important key to reasonable savings in home insurance is comparison shopping -- Given that you do it right. You can get quotes that will have a difference that exceeds $1,000. You could quickly save so much by simply going with the lowest quote. This should be the case if you're just after the lowest price. Howbeit, if you're after the best value to price ratio then you'd have to check the details of the cheapest offers. Different insurance companies may have adjustments for similar policies. It's important that you ask the agent what's part of the deal and what's not.

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