Homeowners' Insurance -- For People Who Want Cheaper Rates

Are you really interested in cutting down your home insurance costs by saving on your insurance premium? Then you're reading the the article you need. I'll give you several proven recommendations that will make you qualify for massive discounts. Furthermore, the tips I'll give to you will NOT force you to downgrade your coverage all because of attracting discounts. Here they are...

1. Using the same insurer for more than one policy will get you discounts. Insurers give discounts (multi-policy discounts) for insureds who purchase more one policy from them. But you might save more with different insurance providers than you'll get from a multi-policy discount.

2. You can make your house almost disaster proof thereby reducing your risk and, as a result, your homeowners insurance rates. Apart from ensuring you have everything in place to prevent fire and burglary, the following will help for various areas...

a. If you reside in a locality that is so prone to wind damage, you'll make considerable savings by having storm shutters.

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

c. If you reside in a state where earthquakes are likely, you will get a discount if your home is retrofitted for earthquake protection.

d. Dry limbs on trees could easily cause injuries that will lead to liability claims. Therefore, ensure that you cut off all dry or dead limbs on trees on your property.

e. Make sure you don't have tree branches with limbs above your roof or very close to your house. You'll run a bigger risk of a branch falling off and damaging your roof. Moreover, having these over your roof could seriously reduce its lifespan depending on the material involved.

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

It's also neccessary to check if the discount you'll receive justifies the cost of using the recommendations. Use those that are cost-effective and you will get more affordable rates.

3. Ensure you don't forget to subtract the land's value from the home's value as you apply for an home owner insurance policy. Folks do this ignorantly. Insuring your home for the purchased price without deducting the the land's cost is a big mistake.

If you made this mistake quickly meet with your agent and review your home insurance policy. Deduct the land's price and you will discover that you will need far less coverage.

With such a review you will lower your rates by a huge margin and still leave with enough home insurance coverage. Bear it in mind that insuring the land your house is standing on is plain waste of money since it does give you any added advantage.

4. You will spend less if you take measures to reinforce your roof. Take special note of this if you live in the East where high winds are more prevalent. You can get advice from your agent on how you can reinforce your roof and get discounts as a result.

5. You may be spending much more if your's is a government home owners insurance policy. It used to be quite difficult to find insurance providers if you live in some high crime areas or places that were affected by certain natural disasters. Then it was only the government's policy that could buy. But this has changed in some areas as some private insurance companies have braved it and worked out a means of offering insurance to such places.

Many may still have little or no other means of getting home insurance coverage apart from a government home insurance. But if your area is now serviced by some private insurers you could save a lot more by buying from them.

6. Visit at least five quotes sites. Requesting quotes from not less than five quotes sites increase the chances that you would obtain cheaper homeowners' insurance quotes. This is because offers not represented by one site will be represented by the other. And, you should understand that because the likelihood of receiving lower home owners insurance quotes is proportional the range of quotes you get, the more insurance companies you get quotes from, the brighter your chances will be. Requesting for your home owner insurance quotes online will help you save much more if you take out just 25 minutes to obtain quotes from at least five sites.

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