Affordable Ohio Homeowner Insurance -- 6 Guaranteed Steps To Bigger Savings

You don't have to do exceptional things in most cases in order to lower your Ohio homeowner's insurance rates. It's normally small things that help you get huge discounts. Here are several things that will bring you closer to the goal...

1. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, helps you get lower home insurance Ohio house insurance rates. Your home becomes less attractive to thieves since they'll be spotted easily. Your Ohio home owner's insurance rate will be lower once you've reduced your home's risk of burglary through such lighting.

2. Endeavor to NOT let your ladders lie around within anybody's reach. They could really help a burglar. Don't also abandon your tools, machinery or things like that on the lawn or anywhere in the open as they could lead to accidental injury and add to your liability claims. Thieves will have an easier time breaking into a home that provides them such opportunities. Keep them away safely and you'll not increase your rate.

3. It's more expensive and very unnecessary to insure the land on which your home is standing. Those who ignorantly do this pay for more insurance than would do them any good. They just insure their house for its full value without deducting the land's cost.

If you did this quickly call your agent and check through your home insurance policy. Reduce your coverage to the cost of your house and its contents minus the worth of the land.

This implies that you will pay a lot less on home insurance. Always remember that insuring the land your house is standing on is plain waste of money since it does give you any added advantage.

4. Choosing to pay your premiums on a monthly basis results in more expensive premiums than you'd spend if you decide to pay annually. Your insurer is compelled to send you 12 notices for monthly payments as opposed to one for yearly payments. This increases their overhead.

As if that was NOT enough expense, each check you send attracts a transaction fees too. 12 checks are 12 transactions which mean 12 separate transaction charges. These and other charges so incurred by your insurance company are eventually paid by you, the policy holder..

You will get considerable savings if you start paying annually. The actual amount you could save may differ but expect to save up to a month's premium worth with some insurers if you settle for this option.

5. Having your premium removed automatically from your account will get you more affordable premiums. Simply tell your bank that you want an EFT (Electronic Fund Transfer) in favor of your insurance provider. This is recommended because of its convenience and the fact that you also enjoy a discount.

6. You can get savings of hundreds of dollars on your home insurance policy by getting insurance quotes from quote sites. The best method is to visit not less than five sites and ensuring that you give the same (correct) information about yourself.

I advise that you use a minimum of five quotes sites since that will ensure you do not miss out better quotes not carried by the other sites. This gives you a broader basis for doing better comparisons thereby increasing your chances of getting more for less.

Here are my favorite quotes sites (highly recommended)...

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