Homeowners Insurance -- Tips To Help You Get Cheaper Rates

Do you want to reduce your homeowners insurance rate? Then you're reading the the article you need. I'll reveal a lot of guaranteed tips that will make you qualify for many discounts. And this will be without compromising the level of coverage you get. Here are the tips...

1. You'll save if you get all your policies from the same insurance company. Insurance companies offer discounts (multi-policy discounts) for insureds who purchase multiple policies from them. Nevertheless, you might save more by obtaining your policies from different insurers.

2. You lower your homeowner insurance premium by taking steps that will make your home more disaster-proof. The following are also needful after taking precautions against fire and burglary depending on were you reside...

a. If you reside in a locality that is very prone to high winds, you will save more by having storm shutters.

b. Using a heavier roofing material will reduce your risk factor thereby helping you save more on your home insurance rates if you live in a windy area.

c. If you reside in a state where earthquakes are likely, you will get a discount if your home is retrofitted for earthquake protection.

d. Dry limbs on trees could easily cause injuries that will lead to liability claims. Therefore, make sure you cut off all dry or dead limbs on trees on your property.

e. You'll also do well if you plant your trees at a safe distance from your house for obvious reasons. You'll run a higher risk of a branch falling off and destroying your roof. Depending on your roofing material, this could also lower its lifespan.

If you're interested in other ways to make your home more disaster-proof, discuss with your agent.

Also find out the cost-effectiveness of each advice you receive. Use those that are cost-effective and you will attract lower rates.

3. Make sure you do NOT make the mistake of not subtracting the land's worth from the home's cost as you apply for an home owner insurance policy. Those who ignorantly do this pay for more insurance than would do them any good. They just insure their house for its complete value without deducting the cost of the land.

If you made this mistake quickly meet with your agent and review your coverage. Lower your coverage to the cost of your home and its contents minus the land's cost.

This means you will pay a lot less on home insurance. Since insurance is for valuables that can be lost or damaged, insuring the land which can neither be lost or damaged isn't right.

4. You will spend less if you take measures to improve the quality and strength of your roof. This is very true if you reside in the East where high winds are a major threat. You can get tips from your agent on how you can reinforce your roof and receive discounts as a result. One simple step to take is to fix heavier shingles.

5. You may be spending much more if your's is a government homeowners insurance policy. Natural disasters in some places made it very hard for those there to get home insurance coverage. Then it was only the government's policy that could buy. Nevertheless, at present there are a number of private insurers who also provide coverage for such regions.

Depending on where you live, though, you might still have no other option but to buy government home owner insurance. But for folks whose areas are now serviced by private insurers, you can expect to pay more affordable premiums than you would with government agencies.

6. You can get savings of hundreds of dollars on your home insurance policy by obtaining insurance quotes from quote sites. The best strategy is to visit not less than five quotes sites and ensuring that you give the same (correct) information about yourself. I recommend that you use not less than five quotes sites because it will make it less likely that you'll miss out offers not presented by the other sites. This provides you a broader basis for doing more extensive comparisons thereby increasing your chances of better quotes.

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