Cheapest Home Owners Insurance Rates -- Great Ways To Save Much More

With the right recommendations you'll get cheaper homeowner insurance rates for adequate coverage. However, if you have the wrong ones, even though you may still make huge savings, it will be by compromising the quality of coverage you get. Here are some time-tested ways to get cheaper rates without putting yourself at risk...

1. Make the exterior of your house fire-safe and you'll bring down your home owners insurance premium. Do you have things that could easily aid combustion close to your house? They will make you get higher rates. As simple as it seems, cutting back bushes and maintaining them up to 10 feet from your structures will help lower your premiums. The risk of a fire in a house is a very strong issue that determines your homeowner insurance premium.

2. You'll as well get a discount if you have motion-sensitive lighting for your home's exterior. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does this precisely. Since thieves avoid homes with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

3. Do ensure that every door to the exterior has dead-bolt locks. They will make it harder for burglars to break into your home. And because a home's risk of burglary is a strong determinant of homeowner insurance rates, you will pay far less.

4. You will save a lot of dollars by visiting not less than 5 home owner insurance quotes sites. If you do this, you will be able to get the lowest homeowner insurance rates available since five sites will return up to 25 quotes altogether.

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