Ohio Home Owners Insurance Rate -- These Will Get You Much More For Far Less

It's NOT difficult to get very cheap quotes and pay a lot less for adequate coverage if you discover the steps to take. This article will show you steps you can take to attract cheap Ohio home insurance rates without compromising the quality of coverage you get...

1. Yearly premium payments will save you much when compared to monthly payments. This is because posting 12 bills by mail monthly costs your insurance company much.

If you add to the fact that each check you give is seen as a transaction by their bankers, you'll see that they still spend some more on transaction fees for each check you pay in. 12 checks are 12 transactions which incur 12 separate transaction charges. And as with every other thing, it is you the customer or policy holder who will be responsible for that cost.

Therefore opt for annual payments instead if you want to make savings this way. You could save up to a month's premium within a year.

2. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get cheaper home insurance rates. Burglars understandably do NOT like to operate in any environment they could be easily seen or caught. Because thieves keep off from homes with such lighting, you lower your home's risk of burglary and, consequently, your premiums.

3. The material you use in the construction of your house goes a long way in affecting your home insurance premium. For example, brick buildings are best in areas with high winds while frame houses are better in earthquake regions. So buying a frame home in the East will definitely cost you much more in home insurance. On the other hand, folks who reside in the West will get more affordable rates if theirs is a frame home because of the earthquakes there. Buying a home built with the proper material for your state will save you a minimum of 5%.

4. If you install a sprinkler you'll be eligible for a discount. Sprinklers are very helpful in putting off fires and therefore reduces fire damage. Ask your agent what you will save by doing this before you get yours since they are quite expensive.

5. Do not insure your house along with the land it is standing on as this will cost you more but needless. People do this ignorantly. Insuring your home for the full price you bought it without subtracting the value of the land it stands on is a big mistake.

If you did such ignorantly, you'll have to re-evaluate your home insurance coverage and go through it again with your agent. Subtract the value of the land and you'll find out that you will need far less coverage.

Your Ohio homeowner insurance rate will be more affordable and you'll still have sufficient coverage if you do this right. No matter what you do and who you meet, bear it in mind that the only things you insure are things that can be stolen or damaged and your land is not one of such.

6. You will save much by visiting not less than five home insurance quotes sites. If you do this, you'll get the lowest quotes available as five sites will give not less than 25 quotes altogether.

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

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