Best Homeowners Insurance -- 6 Proven Tips For Considerable Savings

Contrary to all you might have come to expect, you don't really need to do very difficult things in order to attract the most affordable policy that meets your needs. You may be shocked to discover that all that's keeping you from far cheaper home owners insurance rates are simple things you can quickly deal with. I'll take some time out in this article to share such things...

1. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get lower home insurance premiums. Thieves naturally do NOT like to operate in any place they could be easily noticed or caught. Because thieves avoid houses with such lighting, you reduce your home's risk of burglary and, by extension, your rates.

2. Endeavor to NOT let your ladders lie around within everybody's reach. Doing this would be making a thief's job a lot easier. Do not also abandon your tools, machinery or such on the lawn or anywhere in the open as they could result to accidental injury and increase your liability claims. Burglars will have an easier ride breaking into a household that gives them such opportunities. All such things will ultimately add to premium if you don't keep them in the properly.

3. It's more expensive and very unnecessary to insure the land on which your house is standing. People do this without knowing. Insuring your home for the full price you bought it without deducting the value of the land it stands on is an expensive error.

For those who've ignorantly done this, meet with your agent and check your home insurance coverage again. Deduct the land's cost and buy coverage only for your house and its contents.

This implies that you will spend a lot less on home insurance. Because insurance is for things that can't afford to lose, insuring the land which can neither be lost or damaged isn't a smart move.

4. Making your premium payments once every year will save you a lot when compared to monthly payments. An insurance carrier sends 12 notices for monthly payments as against one for annual payments. This increases their overhead.

As if that was NOT enough expense, each check you send attracts its own transaction fees too. They pay transaction fees twelve times instead of once anually for monthly payments. And, believe it or not, these extra costs are ultimately built into your rates.

Therefore opt for annual payments instead if you intend to make savings through this means. You could save up to a month's premium within a year.

5. Let your insurance carrier be paid your premiums automatically and you will be given a good discount. If you don't know how to do this, ask your banker or agent. Apart from being more convenient, you will get a discount for this.

6. You can get savings of hundreds of dollars on your home insurance policy by requesting for insurance quotes from insurance quotes sites. The best way is to visit a minimum of five sites and ensuring that you provide the same (correct) details. I recommend that you use at least five quotes sites since it will make it less likely that you'll miss out better quotes not given by the other sites. This gives you a broader basis for doing more extensive comparisons thus increasing your chances of better quotes.

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