Homeowners Insurance -- For Those Who Want More Affordable Rates

Are you serious about slashing your home owners insurance costs by saving on your premium dollars? Then you've come to the the article you need. I'll give you several guaranteed tips that will make you qualify for massive discounts. Furthermore, the tips I'll discuss will NOT force you to downgrade your coverage all because of attracting cheap rates. Here are the tips...

1. You will save if you get all your policies from the same insurance company. This qualifies you for a multi-policy discount. However, you might be better served by obtaining your policies from different insurers.

2. The more you strengthen your home to withstand disasters the more affordable your rates will be. The following are necessary after taking measures against fire and burglary depending on your locality...

a. If you live in an area that is so prone to wind damage, you will save much by having storm shutters.

b. Using a heavier roofing material will reduce your risk factor thereby making you save more on your homeowners' insurance premiums if you reside in a windy area.

c. If you reside in a state where earthquakes are likely, you'll get a discount if your home is retrofitted against earthquakes.

d. Dry limbs on trees could easily cause a lot of liability issues. Therefore, ensure that you cut off all dry or dead limbs on trees on your property.

e. You will also do well if you plant your trees at a safe distance from your building for many reasons. You'll run a higher risk of a branch falling off and damaging your roof. It could also lower the durability of your roof depending on the material you use.

Your agent will help you with other things that you can do to ensure your home is a lower risk to your insurance company.

Also find out the cost-effectiveness of each advice you get. Implementing these steps will help you lower your homeowners insurance rates.

3. Make sure you don't make the mistake of not subtracting the land's cost from the home's value while applying for an homeowners' insurance policy. Those who ignorantly do this are paying a lot more than would do them any good. Insuring your home for the full price you bought it without deducting the the land's cost is an expensive error.

If you made such a mistake, you'll have to re-evaluate your home insurance coverage and check it again with your agent. Subtract the value of your land and buy coverage only for your home and its contents.

Doing this will reduce your premiums considerably and still have sufficient home insurance coverage. Since insurance is for things that can be lost or damaged, insuring the land which can neither be lost or damaged isn't a smart move.

4. The level to which you reinforce your roof could make you eligible for a discount. This is truer if you reside in the East. Your agent should be able to give things you can do if you intend to have a discount this way. One easy step to take is to add weighty shingles.

5. You may be paying much more if you have a government home insurance policy. It used to be extremely difficult to find insurers if you reside in some high crime areas or places that were affected by certain natural disasters. The only remedy for such people then was to go to a government agency that offered government homeowners insurance. Nevertheless, at the moment there are a number of private insurers who also provide coverage for such regions.

Depending on where you live, though, you might still have no other option but to stick with government homeowners' insurance. But for people whose areas are now serviced by private insurance companies, you can expect to pay more affordable rates than you would with government agencies.

6. You can get cheaper rates on your homeowners insurance policy today by visiting at least five quotes sites. Each site will require about 5 minutes or less to request quotes. (Some people present details that are not really true about themselves. That is NOT wise since the quotes you'll get this way won't be of any use to you). You'll simply select what represents the best homeowners insurance quote for you from the list of quotes received. It's as simple as that. Nevertheless you could make savings hundreds of dollars.

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