Wednesday, March 18, 2009

Cheaper Home Insurance Rates -- Things You Can Do

By Chimezirim Odimba

You are eligible for lower rates once you are retired. But take note that not all insurers give this discount.

Insurers who give this discount know that burglars hardly ever go to houses where they know someone is usually around. People who're often around are as well in a better position to notice and put off fires before they can do any harm.

Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get cheaper home insurance premiums. Thieves generally don't like to operate in any environment they could be easily seen or caught. Since thieves avoid homes with such lighting, you lower your home's risk of burglary and, consequently, your rates.

Ensure you have fire extinguishers in your house at important points or close to all fire sources. For instance, your kitchen must have a good and working fire extinguisher. And do ensure that it's such that is proper for the kitchen in question.

And, don't forget that you must make them very easily accessible. Doing this will help you lower your rates.

A neighborhood watch will make your neighborhood safer and therefore help you get more affordable rates. Most insurance companies offer discounts for this. Don't forget to tell your agent if your neighborhood has such and you could get a well-deserved discount. It will be easier than you think to convince your neighbors to initiate one if they are told how much they will save in home insurance apart from the other advantages.

If you fix a sprinkler you'll be eligible for a discount. They make a home better protected against fire damage and therefore makes your home a better risk. This means you get cheaper rates. Even though they are by no means cheap, they will bring you good discounts.

As you do these other things to reduce your home insurance costs, here's something you can do to receive lower rates today: Visit good quotes sites and request for quotes.

Visit not less than five of such for the best results. It's free, quick and easy. Make sure you give your correct details as you complete the questionnaires presented. All you have to do next is just choose the insurance company that gives you the best price/value from the quotes you've obtained.

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