Cheaper Home Owner Insurance Quote -- Tips For Those Who Want Huge Discounts

You can lower your homeowners insurance rate considerably by compromising the quality of coverage you get. That's NOT good. But there's a smarter way: Apply the correct steps and do certain things right and you'll get big discounts I'll explain how...

1. Fixing special security and fire systems that are monitored round the clock is a good step. You get huge discounts apart from the fact that you'll feel more secure that your house is being watched by trusted professionals. Depending on the insurance carrier, this type of systems can get you discounts between 25% and 30%.

2. Your home's risk perception is seriously affected by your claims history. If you make claims for every little thing, your home will soon be assessed as a much higher risk than another comparable home where the owner files fewer claims. You will get a higher premium as a result of this higher risk perception.

Don't make a claim if it's something you can deal with without much hassles. It will do your premiums a lot of good.

3. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, makes it easier for you to get lower homeowner insurance rates. Burglars will avoid any place where their activities will be easily observed. And motion-sensitive lighting does this precisely. Because thieves avoid houses with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

4. Raise your deductible.

For people who do not understand what a deductible is, it is an amount you must pay whenever you make a claim before an insurance company pays according to your policy terms. $250 appears to be the lowest deductible selectable in homeowners insurance. You could easily make savings of up to 12 percent on your rates if you increase your deductible from this minimum amount ($250) to $500. If you choose to make it $1000 you might easily save around 24 percent. Some insurers might offer more or less therefore discuss with your agent before you make this decision..

5. Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources you have in your house)? For example, your kitchen must have a good and working fire extinguisher. It's crucial that the fire extinguisher be adequate for the area it covers.

A fire extinguisher is only useful if it can be reached and as well functions properly. So ensure that it's in its best condition and within easy reach. This will help lower your premium.

6. You will save a lot of dollars by visiting a minimum of five homeowner insurance quotes sites. That way, you will be able to get the lowest quotes available because five sites will return up to 25 quotes altogether.

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