48 Home Insurance Savings Tips -- Guaranteed Steps To Very Cheap Homeowners Insurance Rates
Thursday, November 19, 2009
Home Owners Insurance -- 7 Sure Tips
Everyone can get high quality coverage without breaking the bank. The two things that stand between you and getting a cheaper rate now are relevant information and a motivation to use the tips you get -- That's all. We'll now take a look at several sure-fire ways to get better rates...
1. It's more expensive but very unnecessary to insure the land on which your house is built. Some people pay much more than they should on home insurance because they made this mistake. They just insure their house for its full value without removing the cost of the land.
For folks who have mistakenly done this, call your agent and check your home insurance coverage again. Subtract the land's cost and you will discover that you'll need far less coverage.
This implies that you'll pay a lot less on home insurance. No matter what you do and who you meet, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.
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2. You'll spend more or less depending on your credit rating. The lower your credit rating, the higher the rates you get. What your credit rating reveals is how you have handled your bills and it speaks negatively about you if it's a poor one. An insurer takes this to mean that you are not financially very responsible and will possibly default in paying your premiums. This makes you a bigger risk and therefore justifies a higher rate.
So do your utmost to attend to all your bills in a promptly. It will help you attract lower rates among other things.
3. You will get more affordable rates if you choose to pay your premiums annually and not every month. An insurer sends 12 notices for monthly payments instead of one for yearly payments. This costs them more.
The cost shoots up if you include the fact that they pay transaction charges for processing each check you give them monthly as payment. 12 checks mean 12 transactions which attract 12 separate transaction charges. And, if you really come to think of it, these extra overheads are eventually added to your rates.
Therefore, you'll attract lower rates if you decide to pay your premiums yearly. The actual amount you could save may differ but you may be able to save up to a month's premium worth with some insurance companies if you choose this option.
4. Ensure that the exterior of your home is fire-safe and your premium will be lower. Having things that are highly inflammable or that help combustion around your dwelling will make you pay more expensive rates. As easy as it seems, cutting back bushes and keeping them up to ten feet from your structures will help reduce your premium. The risk of fire in a house is one very strong factor that shapes your home insurance premium.
5. You'll as well get a discount if you have motion-sensitive lighting in your home. Your home becomes less attractive to thieves since they'll be spotted easily. Your rate will be lower you have reduced your home's risk of burglary through this type of lighting.
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6. Make sure every door to the exterior has dead-bolt locks. It's more difficult for burglars to operate in homes that have such locks. And as you know, the less the risk of burglary in a home, the cheaper rates it will get.
7. Window locks on all windows will help you save since they reduce your home's risk of burglary. You can take this to another level by building in burglary-proof bars on them all. Therefore, if you don't mind having burglary-proof bars in your home, have them built in and you'll be charged a lot less in your home insurance rate.
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