Affordable Homeowners Insurance -- Guaranteed Recommendations

With the right advice you'll get cheaper rates for adequate coverage. It's also important that I stress that there are ways that might put you at risk even if they save you for now. Here are some time-tested ways to get cheaper rates without opting for inadequate coverage...

1. Install special fire and security gadgets that alert fire stations, police stations or other monitoring centers. Apart from the peace of mind you will have in knowing your home is always been watched by committed personnel, you'll get lower home insurance rates. This can bring down your premium by more than 25% depending on your insurance carrier.

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2. It pays to buy more than one policy from the same insurance company as this will bring considerable savings. Insurance carriers offer discounts to insureds who purchase several policies from them. Even though you'll get a discount for purchasing multiple policies from the same provider, you may make more by buying each policy from different providers.

I'll explain further...

We'll operate in the assumption that you've got life, auto, health and home insurance policies. You'll get a multi-policy discount if you buy all four policies, or at least two of them, from the same insurer. But let us see when that will not be the best route...

I've made up the following rates just for explanation...


Insurer A

Life insurance: $2,590

Health insurance: $2,200

Auto insurance: $3,500

Home: $2,100


Insurer B

Life insurance: $3,100

Health insurance: $2,400

Auto insurance: $2,500

Home insurance: $2,400


Insure C

Life insurance: $2,900

Health insurance: $1,900

Auto insurance: $2,800

Home insurance: $2,700


Insurer D

Life insurance: $2,100

Health insurance: $2,300

Auto insurance: $2,750

Home insurance: $2,600


From the list above the total for the 4 policies with Insurer A is $10,390. If they offer a multi-policy discount of 10% you'll spend a total of $9351. This is quite big knowing that you'll save over $1,000.

Even though the savings made with a multi-policy discount is really big, let us see what would have been the case if you decided to buy from various insurers who gave you the best rate for each policy...

Here are the cheapest quotes from various insurance companies for the different policies: $2,1000 from Insurer A;$2,500 from insurer B;$1,900 from insurer C and $2,100 from insurer C. This gives a total of $8,600 even though you weren't given any multi-policy discount.

In this case you'll save $751 more than if you went for a multi-policy discount with Insurer A.

This may not really be the case for everybody depending on how properly you shopped before buying. But, you'll do well to find out first. Do your best to obtain and compare quotes from as many quotes sites as possible if you truly want to discover what's best in your case. You're less likely to miss cheaper rates if you obtain and compare quotes from not less than 5 insurance quotes sites.

3. You should get a good discount if you've remained with your insurance provider for 3 years or more. Most carriers will give discounts once you maintain your policy with them for three years and above. Howbeit, don't stay put with an insurer just for this reason. Make sure you have a good price to value.

I can almost bet that you can get rates that are considerably less than what you're paying at the moment. That's, if you know how to shop correctly. I recommend that you obtain quotes from insurers you've never received quotes from time to time.

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4. There's the chance that you could spend less for home insurance if you spend time to go through your policy either whenever there is much change in your home or just routinely once of twice annually. The market price of a diamond ring might have changed by a huge margin and so need that you review your coverage.

Lower your coverage accordingly if it has dropped in value and, as a result, you will save and still maintain enough coverage. nevertheless, a review may reveal it's now a lot more valuable and that you have to increase coverage. Whichever way it goes, you are covered in either savings or maintaining adequate coverage.

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