Homeowners Insurance -- Seven Sure Tips

Everyone can get high value coverage without paying top price. The only things that that keep you from getting a cheaper rate at the moment are relevant information and a motivation to make use of the tips you get -- That's all. Let's get into the ideas you need to enjoy more affordable rates...

1. It's more expensive but very unnecessary to insure the land on which your house is built. Those who ignorantly do this are paying a lot more than would be of any benefit. They just insure their home for its complete value without deducting the cost of the land.

If you did such ignorantly, you need to re-evaluate your home insurance coverage and go through it again with your agent. Subtract the cost of your land and buy coverage only for your home and its contents.

Doing this will reduce your premiums by a huge margin and still leave with adequate home insurance coverage. Don't ever forget that insuring the land your house is standing on is plain waste of money since it does NOT give you any added advantage.

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2. Your credit rating has a serious impact on what you pay. People who have excellent ratings pay far less than folks who have low ratings. A poor credit rating means that you've not been paying your bills in a timely fashion. This is a behavior that most insurers believe will be exhibited in the way you treat your premiums. This makes you a bigger risk and therefore justifies a higher rate.

Therefore, it will do you much good to pay all your bills once they are due. Apart from the other benefits in doing so, it will ensure you get cheaper home insurance rates.

3. Yearly premium payments will save you much when compared to monthly payments. This is because posting 12 bills by mail monthly costs your insurer much.

The cost shoots up if you add the fact that they pay transaction charges for processing each check you give them monthly as payment. twelve checks are 12 transactions which mean 12 separate transaction charges. These and other costs so incurred by your insurance company are ultimately borne by you, the policy holder..

As a result, you will get cheaper rates if you decide to pay your premiums yearly. You could save up to a month's premium in just a single year.

4. Make the exterior of your house fire-safe and you will lower your home insurance rate. You'll do well if you ensure there's nothing that is inflammable close to your home. Even though cutting bushes around your house looks simple, you will get cheaper premiums if you do maintain them at a distance of at least 10 feet from your structures. Fire-safety is a strong point that determines how much or little you pay in premiums.

5. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, helps you get lower home insurance premiums. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does this precisely. Your rate will be reduced once you've lowered your home's risk of burglary with this type of lighting.

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6. Make sure each door to the exterior has dead-bolt locks. They will make it harder for burglars to break into your home. And as you know, the lower the risk of burglary in a home, the more affordable rates it will attract.

7. Fitting window locks on all your windows will help lower your home's risk of burglary. Look forward to pay far cheaper rates if you've windows that have burglary-proof bars If you're not one of those people who feel so uncomfortable with these kind of fittings, they'll get you reasonable discounts. So, if you don't mind having burglary-proof bars in your home, have them fixed and you will pay much less in your home insurance premium.
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