Sunday, September 13, 2009

Affordable Home Insurance Quote -- The Following Savings Steps Are Guaranteed


Have you succeeded in your quest to reduce your homeowner insurance insurance costs? Did you simply stop at the few recommendations you got then? Are you really sure you've looked at all the the steps there are to take to massive savings? Then see if you've applied these tips...

1. Endeavour to have fire extinguishers at strategic points in your home. If you do NOT have any other place, make sure your kitchen has one. It's crucial that the fire extinguisher be good enough for the point it is supposed to protect.

A fire extinguisher is only useful if it can be reached and also functions properly. So make sure it's in perfect condition and within easy reach. This may seem negligible but you'll get higher rates if you don't keep them in your home.

2. You'll receive lower rates if you do routine maintenance of your home regularly. Do you have dead limbs on trees on your land? They they will eventually fall off and may and destroy a part of your structure or injure a visitor.

Everything that could injure a guest on your property should be fixed as soon as you discover them. Such a good maintenance culture would reduce your home insurance premium.

3. Make sure you don't make the mistake of not subtracting the land's value from the home's cost while applying for a home insurance policy. Those who ignorantly do this pay for more insurance than would be of any benefit. They just insure their home for its full value without subtracting the cost of the land.

If you made such a mistake, you'll have to review your homeowners' insurance insurance coverage and go through it again with your agent. Subtract the cost of your land and use only the cost of your house and its contents.

Your 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 house is built on is plain waste of money because it does give you any added advantage.

4. Everybody wants to own a beautiful swimming pool. But as far as your home insurer is concerned it raises a home's risk and therefore gets more expensive rates.

While I won't tell you to NOT have a swimming pool on your property, make sure you take all needed safety measures.

5. You can get savings of hundreds of dollars on your home insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit a minimum of five sites and ensuring that you input the same (correct) information about yourself. I recommend that you use not less than five quotes sites because it will ensure you do not miss out better quotes not carried by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of better quotes.

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