Cheaper Home Owner Insurance -- Six Sure-Fire Steps To Bigger Savings

It doesn't normally take implementing a hundred tips to get massive savings while maintaining sufficient coverage. It's usually little things that result in big savings. Let's look at some of them in this article...

1. You will pay less if you have motion-sensitive lighting on your property. Burglars understandably don't like to operate in any place they could be easily seen or caught. Your homeowners insurance rate will be reduced once you've lowered your home's risk of burglary through this kind of lighting.

2. Make sure you don't leave ladders hanging just anywhere. Doing this would be making a burglar's mission much easier. Do NOT as well leave pieces of tools lying around. Like ladders, tools and such could help a burglar in breaking into your house. Keep them away safely and you'll not increase your rate.

3. It is more expensive and needless to insure the land on which your house is built. Folks do this without knowing. They just insure their house for its complete value without deducting the land's cost.

For those who have ignorantly done this, call your agent and go through your home insurance coverage again. Deduct the price of the land and you will find out that you'll need far less coverage.

Your premium will be cheaper and you'll still have adequate coverage if you do this right. Bear it in mind that insuring the land your home is standing on is real waste of money since it does you no good whatsoever.

4. Choosing to pay your premiums on a monthly basis leads to higher home insurance rates than you'd spend if you choose to pay annually. A major reason for this is the cost an insurance company incurs for sending you 12 bills instead of just one yearlly.

The cost increases if you add the fact that they pay transaction fees for processing each check you send them monthly. They pay transaction charges twelve times instead of once yearly for monthly payments. And as with every other thing, it's you the customer or insured who bears that cost.

Therefore, you will get lower rates if you decide to pay your rates anually. What you will save could be as high as 8.5% of your total monthly payments over the course of just a year.

5. Set up your account to pay your rates automatically and you'll enjoy cheaper homeowners' insurance rates for that. All you have to do is to advise your bank or credit card company to transfer your premiums at at a particular time automatically until told otherwise. This is encouraged because of its convenience and the fact that it gets you a discount.

6. Take out some time to visit at least 5 insurance quotes sites that provide quotes on home insurance policies. It should require not more than 25 minutes. As you visit each quotes site, ensure you input the same information. Doing otherwise will give you misleading quotes. When you've received your home insurance quotes, compare them to determine which serves your interest best in price/value.

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