Home Insurance -- Steps To Enjoying Big Discounts

Are you committed to cutting down your homeowner insurance costs by reducing your insurance premium? Then you've come to the the article you need. I'll reveal a lot of guaranteed tips that will make the difference. In addition, the tips I'll discuss will NOT compel you to make do with inadequate coverage all because of realizing savings. Here they are...

1. Using the same insurer for more than one policy will get you discounts. This is called a multi-policy discount and is given by all insurance companies. But you might make more savings with different insurers than you'll get from a multi-policy discount.

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2. You can make your home almost disaster proof thereby reducing your risk and, as a result, your homeowners' insurance premium. Apart from making sure that you have all in place to prevent fire and burglary, the following are recommended for different locations...

a. You will get better protection from wind damage with a storm shutter.

b. You'll also be better off in windy areas with a heavier roofing material.

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

d. For those who have trees on their properties, you'll save yourself in your home insurance premium if you ensure that you cut off every dead or dry branch because they can easily cause injuries or damages that will lead to liability claims.

e. You'll also do well if you keep your trees at a safe distance from your building for many reasons. You'll run a higher risk of a branch falling off and destroying your roof. In addition, having these over your roof could greatly reduce its lifespan depending on the material employed.

If want other ways to make your home really disaster-proof, consult your agent.

Compare what applying each would cost and how much it will lower your rate. Applying these tips will help you reduce your home insurance rates.

3. Do not insure your house along with the land it is built on as this will cost you more but quite unnecessary. Folks do this ignorantly. They just insure their home for its full value without subtracting the cost of the land.

If you made this mistake quickly call your agent and re-evaluate your coverage. Deduct the cost of your land and use only the cost of your structures and its contents.

Your premium will be less and you'll still have enough coverage if you do this right. Bear it in mind that insuring the land your house is standing 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 lower home owner insurance premiums. This is very true if you live in the East where high winds are a serious threat. Your agent should be able to outline things you can do if you want a discount this way. One simple step to take is to add weighty shingles.

5. Government home insurance policies might really be costing you more than what you can now get with private companies. Natural disasters in some places made it very hard for folks there to obtain home insurance coverage. The only way out for such people then was to go to a government agency that offered government home owners insurance. The case is really different now as private insurance companies have started to cater for such places.

It's true that government homeowners insurance may still be your only option depending on where you reside. But if your area is now covered by some private insurers you could save a lot more by switching to them.

6. You can get savings of hundreds of dollars on your home insurance policy by requesting for insurance quotes from quote sites. The best way is to visit not less than five quotes sites and ensuring that you provide the same (correct) information about yourself. I advise that you use at least five quotes sites since that will ensure you do not miss out offers not presented by the other sites. This offers you a broader basis for doing more thorough comparisons thereby increasing your chances of better quotes.

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