It is easy to obtain very affordable quotes and pay far less for adequate coverage the moment you understand what to do. I'll share a number of steps to take if you want huge savings that won't put you and yours at risk...
1. Making your premium payments once every year will save you much when compared to monthly payments. A strong reason for this is the cost an insurance company incurs for sending you twelve bills instead of just one anually.
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 Twelve transactions and will attract Twelve separate fees.. And as with every other thing, it's you the end user or insured who bears that cost.
You will get reasonable savings if you begin to pay yearly. The real amount you could save might differ but you may be able to save up to a month's premium worth with some insurance companies if you settle for this option.
2. You will as well get a discount if you have motion-sensitive lighting in your home. Your home becomes less attractive to thieves as they'll be noticed easily. The risk of burglary is a strong factor in determining a home's risk to an insurer and, by extension, your premium.
3. The type of building material you use can save you a great deal in home insurance. For instance, brick homes are best in areas with high winds while frame homes are preferred in earthquake regions. This means that those who reside in the East will save if they buy a frame home. On the other hand, those who reside in the West will pay more affordable premiums if theirs is a frame house because of the earthquakes there. Expect to save a minimum of 5% if you opt for a house with the recommended material.
4. You will get considerable discounts if you install a sprinkler system. They make your home better protected against fire damage and so makes your home a better risk. Being a better risk means you get more affordable premiums. Ask your agent what you will save by doing this before you try to install yours because they are very expensive.
5. Don't insure your house along with the land it is standing on as this is more expensive but quite unnecessary. People who ignorantly do this pay for more insurance than would be of any benefit. They just insure their house for its entire value without subtracting the land's cost.
If you did this quickly meet with your agent and review your home insurance policy. Lower your coverage to the cost of your house and its contents minus the worth of the land.
Your Tennessee homeowner insurance rate will be cheaper and you'll still have sufficient coverage if you do this right. Don't ever forget that insuring the land your home is built on is real waste of money because it does you no good whatsoever.
6. You can get cheaper quotes on home insurance today by visiting a minimum of five insurance quotes sites. Each quotes site will require around 5 minutes or less to obtain quotes.
Some people fill in information that is not really correct about themselves. That is NOT a smart move since the quotes you'll get this way will NOT do you any good. You'll simply choose the best home insurance quote for you from the list of quotes you've obtained. It's as simple as that. Nevertheless you could get savings hundreds of dollars.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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