48 Home Insurance Savings Tips
Saturday, September 19, 2009
Cheaper Homeowners Insurance Quotes -- Measures To Help You Attract Discounts
A number of ways of bringing down your home owner insurance rate actually reduce the quality of coverage you enjoy and so are NOT wise. But there's a better way: Implement the correct steps and do a few things right and you'll be in for massive discounts I'll show you how...
1. There are security and fire systems that are monitored 24/7. Apart from the peace of mind you'll have in knowing your house is always been watched by competent personnel, you'll get lower homeowners insurance rates. This can bring down your premium by more than 25% depending on your insurer.
2. The more claims you make the higher the risk linked with insuring you. Filing too many claims will result in your home being viewed as a higher risk than it actually is. The moment an insurance carrier considers you a higher risk, you start attracting higher rates.
So if it's something you can handle with relative ease, don't make a claim. This will help you enjoy a low rate for long.
3. You will as well get a discount if you have motion-sensitive lighting in your home. Burglars will keep off from places where their activities will be easily noticed. And motion-sensitive lighting does just that. Since thieves avoid houses with such lighting, you lower your home's risk of burglary and, by extension, your premiums.
4. Settle for a higher deductible when applying for an homeowners insurance policy if you want to get cheaper premiums. Make it as high as you can cope with and you'll get reasonable discounts.
Just remember that this is the amount the law requires you to contribute if you make a claim and that your insurance company will not pay if you do not pay it.
A person who previously chose a deductible of $500 will save as high as 25% more if they settle for a deductible of $1,000. The higher your deductible, the cheaper your home insurance rate. But before you choose the highest deductible there is, can you really afford it with relative ease if you ever make a claim?.
Choose the highest deductible allowed if it's within easy reach.
5. Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources presently in your home)? Your kitchen is one important place to have one or more working fire extinguishers. It's important that the fire extinguisher be adequate for the area it is meant to protect.
And, always remember that you must make them very easily accessible. This may seem insignificant but you'll get higher rates if you don't keep them in your home.
6. You can realize savings of hundreds of dollars on your home insurance policy by getting insurance quotes from quote sites. The best strategy is to visit a minimum of five sites and ensuring that you give the same (correct) information about yourself. I advise that you use a minimum of five quotes sites as it will make it less likely that you'll miss out better quotes not carried by the other sites. This provides you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.
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