Cheaper Home Owners Insurance Rates -- Tips To Help You Attract Discounts

Even though you can make savings by reducing your coverage, it is not recommended if it puts you at risk. But there's a smarter way: Apply the correct steps and do certain things right and you'll get big discounts I'll explain how...

1. Installing special security and fire systems that are monitored 24/7 is a smart move. Not only will you get a big discount, you will as well feel more secured once you remember that your home is constantly monitored. Although the savings this will attract will vary from one insurance company to another, you can expect to lower your home owners insurance premium by as high as 25%.

2. Your claims over a period of time create an impression of your home's risk. If you file claims for every little thing, your house will soon be considered a much higher risk than another comparable home where the owner files fewer claims. Once an insurance carrier considers you a higher risk, you get more expensive rates.

Don't make a claim if it's a matter you can deal with without much hassles. This will help keep your rate low.

3. You'll get cheaper rates if you've got motion-sensitive lighting in your home. Your home becomes less attractive to thieves since they'll be noticed easily. Your rate will be reduced you'd have lowered your home's risk of burglary through such lighting.

4. When applying, opt for a high deductible because it reduces your rate. If you've already bought an home owners insurance policy that you're very happy with, increase your deductible.

Just bear in mind that this is the amount the law requires you to contribute if you make a claim and that your insurance company won't pay if you don't pay it.

You can enjoy a discount of say 25% in your homeowners insurance premium if only you move from $500 to $1,000 in your deductible. The higher your deductible, the cheaper your home owner insurance premium. But before you pick the highest deductible there is, can you really afford it with conveniently if you ever make a claim?.

Opt for 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 you have in your house)? Your kitchen is one important place to have one or more functional fire extinguishers. It's crucial that the fire extinguisher be good enough for the place it covers.

And, always remember that you must keep them within easy reach. Doing this will help you reduce your rates.

6. You will save much money in home owner insurance if you obtain and compare home insurance quotes from quotes sites. You'll realize savings if you visit just one quotes site. However, you will get better results by visiting at least five. The plain logic in this is that you'll receive a greater number of home insurance quotes from a wider range of insurers. This raises your chances of getting better quotes.

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