Cheaper Homeowner Insurance -- 6 Time-Tested Tips For Massive Savings

Contrary to all you might have come to expect, you don't really have to do very difficult things in order to get the cheapest policy that gives you sufficient coverage. You may be shocked to find out that all that's keeping you from far lower homeowner insurance rates are simple things you can quickly take care of. Let's look at a good number of them in this article...

1. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, helps you get lower home insurance home insurance rates. Burglars will avoid any place where their activities will be easily noticed. And motion-sensitive lighting does this exactly. The risk of burglary is a key factor in determining a home's risk to an insurer and, consequently, your rate.

2. Don't leave ladders in places where someone can easily pick them. They might really help a burglar. In the same vein, do NOT forget your tools or pieces of equipment on the lawn. Burglars will have an easier ride breaking into a home that offers them such opportunities. Keeping these things properly will save you a lot of heartaches along with lower rates.

3. Make sure you do NOT make the mistake of not subtracting the land's cost from the home's cost as you apply for a home insurance policy. People do this ignorantly. They just insure their home for its full value without deducting the land's cost.

For those who have mistakenly done this, meet with your agent and check your home insurance coverage again. Subtract the land's price and you'll realize that you will need far less coverage.

Doing this will lower your homeowners insurance rates considerably and still have sufficient home insurance coverage. Bearing in mind that insurance is for valuables that can't afford to lose, insuring the land which can neither get lost or damaged isn't right.

4. Electing to pay your premiums on a monthly basis leads to higher premiums than you would pay if you choose to pay annually. This is because sending you twelve bills by mail each month costs your insurer a lot.

Furthermore, each check they get attracts a transaction charge too. They pay transaction fees 12 times instead of once anually for monthly premiums. And as with every other thing, it's you the client or insured who will be responsible for that cost.

So, you will attract lower premiums if you decide to pay your rates anually. You could save up to a month's premium within a year.

5. Set up your account to pay your premiums automatically and you'll get lower premiums for that. Simply let your bank know that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurer. Apart from being more convenient, you'll be given a discount for this.

6. You will save much money in home insurance if you obtain and compare home insurance quotes from insurance quotes sites. You will make savings if you go to only one quotes site. But, you will get more by using at least five. The plain logic in this is that you'll receive a greater number of home insurance quotes from a wider range of insurers. This raises your chances of receiving better rates.

Get Cheap Home Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!