Homeowners Insurance -- Seven Sure Tips

You can enjoy high value coverage without paying top price. The only things that stand between you and getting a cheaper rate now are relevant information and a motivation to use the recommendations you get -- Nothing more. We'll now take a look at a number of time-tested ways to get more for a lot less...

1. It is more expensive but very unnecessary to insure the land on which your home is standing. Some people spend much more than they should on home insurance on account of this mistake. They just insure their home for its full value without deducting the cost of the land.

If you did this quickly meet with your agent and review your coverage. Deduct the value of your land and use only the cost of your home and its contents.

Your rate will be less and you'll still have enough coverage if you do this right. No matter what you do and who you get in contact with, don't forget that the only things you insure are things that can be lost or damaged and your land is not one of such.

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2. You'll pay more or less depending on your credit rating. Folks who have excellent ratings pay far less than people who have poor ratings. What your credit rating reveals is how you have handled your bills and it speaks negatively about you if it's a poor one. This is a pattern that most insurers believe will be exhibited in the way you treat your premiums. This marks you out as a bigger risk and therefore justifies a higher rate.

So do your utmost to pay all your bills in a timely manner. You will attract lower premiums if you do.

3. You'll get lower rates if you elect to pay your rates yearly and not monthly. This is because sending you twelve payment notices by mail monthly costs your insurer a lot.

The cost shoots up if you add the fact that they pay transaction charges for processing each check you send them monthly. They pay transaction fees twelve times instead of once annually for monthly premiums. And as with every other thing, it is you the client or insured who bears that cost.

You will get reasonable savings if you begin to pay yearly. What you will save could be as high as 8.5% of your total monthly premiums over the course of just one year.

4. Make the exterior of your home fire-safe and you'll bring down your home insurance rate. You'll be doing the right thing if you ensure there's nothing that's inflammable close to your home. Bushes near your house should be cut and maintained at a distance of at least 10 feet from your structure. This is because how fire-safe a home is goes a long way in affecting what it will cost to insure it.

5. You will as well enjoy a discount if you have motion-sensitive lighting in your home. Your house becomes a no-go area for thieves as they'll be spotted easily. The risk of burglary is a strong factor in calculating a home's risk to an insurance company and, consequently, your rate.

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6. Dead-bolt locks on all your exterior doors will help you get a lower rate. It's harder for thieves to operate in homes that have these locks. And as you know, the less the risk of burglary in a home, the lower rates it will get.

7. Fitting window locks on each of your windows will help reduce your home's risk of burglary. Look forward to pay far cheaper rates if you've windows that have burglary-proof bars Although some folks do not like this because it makes them feel imprisoned in their own home, it really does lower your premium by a good amount. If you're not one of those folks who say that having such makes them feel imprisoned in their own house, have them fixed if you want to reduce your home insurance premiums by a huge margin.
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