Homeowners Insurance -- Seven Sure Tips

You can enjoy high quality coverage without paying top price. The two things that stand between you and getting a more affordable rate now are the right information and a resolve to make use of the tips you get -- That's all. Here is a list of steps that will help you get to this goal...

1. Don't insure your house along with the land it is standing on as this is more expensive but quite needless. People who ignorantly do this are paying a lot more than would be of any benefit. Insuring your home for the purchased price without subtracting the land's cost is an expensive error.

For those who've mistakenly done this, call your agent and check your home insurance coverage again. Deduct the land's price and you will discover that you will need far less coverage.

Your rate will be more affordable and you'll still have sufficient coverage if you do this right. Because insurance is for valuables that can be lost or damaged, insuring the land which can neither get lost or damaged isn't a smart move.

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2. Your credit history has a huge impact on what you pay. The lower your credit rating, the higher the rates you attract. A bad credit rating implies that you've not been paying your bills promptly. An insurance company takes this to mean that you're financially irresponsible and will likely default in paying your premiums. If you are seen as a potential defaulter, it makes you a higher risk and draws much higher rates than otherwise.

Therefore, it will do you much good to clear all your bills promptly. It makes it easier for you to get lower rates among other things.

3. You will get lower rates if you choose to pay your premiums annually and not every month. This is because posting 12 payment notices by mail monthly costs your insurance company much.

As if that was NOT enough expense, each check they get attracts a transaction fees as well. They pay transaction charges twelve times instead of once a year for monthly payments. And as with every other thing, it's you the end user or insured who will be responsible for that cost.

Therefore opt for annual payments instead if you intend to save through this means. The real amount you could save may differ but you may be able to save up to a month's premium worth with some insurance companies if you choose this option.

4. Ensure that the exterior of your home is fire-safe and your premium will be lower. Having things that are highly inflammable or that help combustion close to your dwelling will make you pay more expensive rates. Bushes around your house should be cut and maintained at not less than ten feet from your building. This is because how fire-safe a home is goes a long way in shaping what it will cost to insure that home.

5. You'll as well enjoy a discount if you have motion-sensitive lighting for your home's exterior. Burglars will avoid any place where their movement will be easily spotted. And motion-sensitive lighting does just that. Your rate will be lower you have reduced your home's risk of burglary through this kind of lighting.

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6. Dead-bolt locks on all your exterior doors will help you get a more affordable rate. They will make it more difficult for burglars to get into your house. The more fortified your home is against burglary, the less the risk taken in insuring it.

7. Do you have locks on all your windows? If you don't you will be paying more because of that. Expect to attract far cheaper rates if you have windows that have burglary-proof bars If you're not one of those people who feel so uncomfortable with such, they'll get you reasonable discounts. If you're not one of those people who insist that having such amounts to being imprisoned in their own house, have them fixed if you want to lower your home insurance premiums by a huge margin.
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