Friday, November 27, 2009
Homeowner Insurance -- For Those Who Want More Affordable Rates
Are you committed to slashing your homeowners insurance costs by reducing your insurance premium? Then you've come to the the article you need. I'll reveal a lot of proven tips that will make the difference. And this will be without downgrading the quality of coverage you get. Here they are...
1. You'll save if you get all your policies from the same insurance company. This qualifies you for a multi-policy discount. But you might make more savings with different insurance carriers than you'll get from a multi-policy discount.
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2. You can make your house almost disaster proof thereby reducing your risk and, as a result, your homeowners' insurance rates. Apart from ensuring you have all in place to protect against fire and burglary, the following will help for various locations...
a. If you reside in an area that is very susceptible to high winds, you'll make considerable savings by fitting storm shutters.
b. You'll also be better off in windy areas with a heavier roofing material.
If your area is prone to earthquakes, make sure you retrofit you home.
d. Cutting off dry limbs on trees on your property will reduce the likelihood of a branch falling off and causing injury and/or damage.
e. It is also advisable that you ensure no trees come to your building. This is because tree branches over or close to structures could easily result in extensive damage if they fall off for any reason. Depending on your roofing material, this could as well lower its durability.
Ask your homeowner insurance agent for other things you should do if you want to bring down your home's risk.
It's also neccessary to check if the discount you'll get justifies the cost of applying the advice. Implement those that are cost-effective and you will attract better rates.
3. Make sure you don't fail to subtract the land's cost from the home's value as you apply for an home owners insurance policy. A good number of people spend much more than they should on their homeowners insurance because they make this mistake. They just insure their house for its entire value without subtracting the cost of the land.
If you did this quickly meet with your agent and check through your home insurance policy. Deduct the value of your land and use only the cost of your structures and its contents.
Doing this will reduce your premiums by a huge margin and still have adequate home insurance coverage. Don't ever forget that insuring the land your home is built on is real waste of money since it does give you any added advantage.
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4. If you reinforce your roof you'll get cheaper home owners insurance premiums. This is truer if you reside in the East. If you want to know how to strengthen your roof and get discounts for doing so, discuss with your agent. Fixing heavier shingles is one way to do it.
5. Maintaining a government home insurance policy could be making you pay much more on home insurance than you would otherwise. Natural disasters in certain places made it very difficult for people there to get home insurance coverage. The only way out for such folks then was to go to a government agency that offered government home owner insurance. The case is just different now as private insurers are beginning catering for such places.
Yes, government home owners insurance may still be your best option depending on where you live. But if your area is now serviced by some private insurers you might save a lot more by buying from them.
6. You can get savings of hundreds of dollars on your home insurance policy by obtaining 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 because that will ensure you do not miss out better quotes not given by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of better quotes.
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