Are you certain you seriously want more affordable Minnesota homeowner's insurance rates? Then you need to take the time to understand the things you'd have to do to reach your goal. I've got enough tips to help most people save more than 50% on their Minnesota home owner's insurance policy...
1. Fix smoke and fire detectors. If you fix them in all the relevant areas of your house you'll get a discount. Furthermore, don't forget to change their batteries from time to time.
Detectors mean fires are quickly spotted and extinguished before much damage is done. And since the risk of fire in a home is a defining factor in working out home insurance rates, you will spend far less by taking this step.
2. Get a group home insurance policy if within your reach because you'll pay less with it. You should be aware if your employer offers such. Many associations have also arranged discounts for their members with home insurers so check if yours has such.
Though, before you apply this option, compare the rates you'll get from such an association with what you will spend with another insurer. This is because you may end up finding an insurer that is willing to take less than you will even obtain with your group discount. There's fierce competition in the home insurance sector and you can benefit from this to get cheaper premiums if you spend some time to do extensive shopping and comparisons.
3. Fixing special security and fire systems that are monitored 24/7 is a wise step. Apart from the peace of mind you will have in knowing your house is under constant surveillance by committed professionals, you will get more affordable Minnesota home owner insurance rates. Depending on the insurance carrier, this type of systems can get you discounts between 25% and 30%.
4. Window locks on all windows will save you a little because they reduce your home's risk of burglary. You can take this to another level by fixing burglary-proof bars on all your windows. Even though some folks do not like this because it makes them feel like a prisoner in their own house, it really does lower your rate considerably. So, if you are okay with having burglary-proof bars in your house, have them fixed and you will pay much less in your Minnesota home owner insurance rate.
5. Make the exterior of your house fire-safe and you will bring down your home insurance rate. Having things that are very inflammable or that help combustion around your dwelling will make you pay more expensive premiums. Although cutting bushes around your home looks mundane, you'll pay lower Minnesota homeowner's insurance premiums if you do maintain them at a distance of at least 10 feet from your structures. Fire-safety is a strong point that is used to calculate what you pay in premiums.
6. Visit not less than five quotes sites. Requesting Minnesota homeowners' insurance quotes from not less than five quotes sites raise the chances that you would receive more affordable home insurance quotes. This is because offers not represented by one site will be represented by another.
And, you know that since your chances of receiving lower home insurance quotes is proportional the number of quotes you obtain, the more insurers you receive quotes from, the brighter your chances will be. Getting your Minnesota homeowners' insurance quotes online will help you save far more if you take out only 25 minutes to obtain Minnesota homeowners' insurance quotes from a minimum of 5 quotes sites.
Here are my favorite quotes sites (highly recommended)...
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