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Wednesday, October 7, 2009
Homeowners Insurance -- Suggestions To Help You Save
Are you serious about slashing your homeowners' insurance costs by reducing your premium dollars? Then you've come to the right article. I'll share sure-fire tips for anyone to attract the best rate for their profile and coverage needs. And this will be without reducing the quality of coverage you enjoy. Here are the tips...
1. Using the same insurance carrier for more than one policy will get you discounts. This makes you eligible for a multi-policy discount. Although you'll get discounts for buying multiple policies from the same insurer, you may save more by buying each of your policy from different insurance companies.
2. You can make your home almost disaster proof thereby reducing your risk and, consequently, your home owner insurance premium. You can do this by taking all the inevitable precautions against fire and burglary as well as the following depending on where you reside...
a. You will get better protection from wind damage with a storm shutter.
b. Using a heavier roofing material will reduce your risk factor thereby helping you save more on your home owner insurance premiums if you reside in a windy area.
c. If you live in a state where earthquakes are a threat, you'll save if your house is retrofitted against earthquakes.
d. Dry limbs on trees could easily cause a lot of liability issues. So ensure that you cut off all dry or dead limbs on trees on your property.
e. It is also advisable that you ensure no trees come to your structure. You will run a higher risk of a branch falling off and destroying your roof. It could also reduce the lifespan of your roof depending on the material you use.
If want other ways to make your home really disaster-proof, discuss with your agent.
It is also important to check if the discount you'll get justifies the cost of implementing the advice. Implement those that are cost-effective and you will get cheaper rates.
3. Don't insure your home along with the land it is built on as this will cost you more but needless. People who ignorantly do this pay for more insurance than would do them any good. You've made same mistake if you insured your home for the price you purchased it without checking the cost of the land it's built on and deducting it.
If you made this mistake quickly call your agent and review your home insurance policy. Deduct the land's cost and buy coverage only for your structures 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, remember that the only things you insure are things that can be lost or destroyed and your land is not one of such.
4. You pay less if you take measures to reinforce your roof. This is truer if you reside in the East. You can get advice from your agent on how you can strengthen your roof and receive discounts as a result.
5. Keeping a government home insurance policy could be making you spend much more on home insurance than you would otherwise. Some areas used to find it difficult to get home insurance coverage. The only way out for such folks then was to go to a government agency that sold government homeowners insurance. However, at the moment there are many private insurance companies who also give coverage for such places.
It's true that government homeowners' insurance may still be your only option depending on where you live. But for those whose areas are now serviced by private insurance companies, you can expect to pay cheaper premiums than you would with government agencies.
6. You will save a lot if you really have between 25-30 minutes. Visit, get and compare homeowners' insurance quotes from various insurance quotes sites. The lowest quote should be what you pick easily. But, you have to go beyond just the lowest price to the best price/value. The cheapest may not offer the best price/value for you as a person.
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