Cheaper Home Owners Insurance -- Six Proven Steps To Bigger Savings

You don't need to do exceptional things in most cases in order to reduce your home owner insurance rates. Just understanding a few compulsory steps and doing them will make a big difference. I'll take the pains here to share such things...

1. You'll pay less if you have motion-sensitive lighting for your home's exterior. Burglars naturally do NOT like to operate in any place they could be easily seen or caught. Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, consequently, your premiums.

2. Ensure you don't leave ladders hanging around. You might be providing burglars with the very equipment they need for their activity. Don't as well let your tools litter around. They as well make breaking and entry a lot easier for thieves. Keep them well and you'll not increase your premium.

3. Don't insure your home along with the land it is standing on as this is more expensive but quite unnecessary. Those who ignorantly do this pay for more insurance than would do them any good. Insuring your home for the purchased price without subtracting the cost of the land it stands on is a big mistake.

If you made such a mistake, you need to review your home insurance coverage and go through it again with your agent. Reduce your coverage to the cost of your home and its contents minus the cost of the land.

This implies that you'll pay a lot less on home insurance. Because insurance is for valuables that can be lost or damaged, insuring the land which can neither get lost or damaged isn't a smart move.

4. Yearly premium payments will save you a lot when compared to monthly payments. A strong reason for this is the cost an insurance company incurs for sending you 12 bills instead of just one each year.

If you include the fact that each check you send is seen as a transaction by their bankers, you will see that they still pay some more on transaction charges for each check you pay in. They pay transaction fees 12 times instead of once yearly for monthly payments. And as with everything else, it is you the customer or insured who will be responsible for that cost.

Therefore, you'll get lower rates if you decide to pay your rates anually. What you'll save could be as much as 8.5% of your total monthly premiumss over the course of just one year.

5. Having your premium deducted automatically from your account will result in cheaper premiums. If you do NOT have an idea on how to do this, ask your banker or agent. In addition to saving you in premiums you will also save yourself much time and avoidable stress.

6. You will save a lot of dollars by visiting at least five home insurance quotes sites. That way, you'll be able to get the lowest quotes possible as five sites will return up to 25 quotes altogether.

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