Cheaper Homeowners Insurance -- Six Guaranteed Tips For Bigger Savings

Contrary to all you might have been told, you don't really need to do very great things in order to attract the cheapest policy that meets your needs. You may be alarmed to discover that all that's keeping you from far lower homeowner insurance rates are minor things you can easily take care of. Following are a good number of things that will help you achieve that goal...

1. You will also enjoy a discount if you have motion-sensitive lighting on your property. Burglars naturally do NOT like to operate in any environment they could be easily seen or caught. Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, by extension, your premiums.

2. Don't leave ladders in places where someone can easily use them. You might be providing burglars with the very equipment required for their activity. Do NOT also let your tools litter around. just as with ladders, tools and such could aid a burglar in breaking into your home. Keep them away safely and you'll not increase your rate.

3. Ensure you do NOT make the mistake of not subtracting the land's value from the home's cost while applying for a home insurance policy. Some people spend much more than they should on home insurance because they make this mistake. They just insure their house for its full value without subtracting the land's cost.

For those who have ignorantly done this, call your agent and go through your home insurance coverage again. Lower your coverage to the cost of your house and its contents minus the land's value.

This means you'll pay far less on home insurance. Bearing in mind that insurance is for things that can't afford to lose, insuring the land which can neither be lost or damaged isn't a smart move.

4. You'll pay more affordable homeowners insurance rates if you choose to pay your homeowners insurance rates anually and not every month. A major reason for this is the cost an insurer incurs for posting you 12 bills instead of just one each year.

The cost increases if you include the fact that they pay transaction charges for processing each check you send them monthly. 12 checks are 12 transactions which attract 12 separate transaction charges. These and other costs so incurred by your insurer are ultimately paid by you, the insured..

You will make considerable savings if you choose to pay annually. The real amount you could save may differ but you may be able to save up to a month's premium worth with some insurers if you choose this option.

5. Set up your account to pay your premiums automatically and you'll get lower premiums for that. 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'll also save yourself much time and hassles.

6. You will save a lot of dollars by visiting a minimum of 5 home insurance quotes sites. If you do this, you'll be able to get the lowest quotes available since five sites will return not less than 25 quotes altogether.

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