Homeowners Insurance Quotes -- Paying Far Less For Adequate Coverage

Do you want a more affordable rate that still leaves you with adequate home owner insurance coverage? Here are tips that will help you get reasonable discounts with ease...

1. Getting dead-bolt locks on all exterior door will lower your premium. It's harder for burglars to break into homes that have these locks. And as you know, the less the risk of burglary in a house, the lower rates it will draw.

2. Buy an umbrella policy and cut down your homeowners' liability coverage. The additional advantage here is that notwithstanding that you'll pay much less, you'll also get much better coverage.

Remember what the liability part of your home owners insurance policy is for: To shield you from losses you could incur due to injuries to people on your property. Furthermore, if a lawsuit emerges from such an injury, it also takes care of it. Nevertheless, every liability coverage has limits that might not even be enough to take care of some lawsuits.

Nevertheless, an umbrella insurance policy will typically pay fully for even the craziest of lawsuits and all you'd have to pay are very affordable premiums.

3. You will attract considerable discounts if you install a sprinkler system. The reason for this is that a sprinkler system works well in suppressing fires. Ask your agent what you will save by doing this before you try to install yours since they are very expensive.

4. Since nothing remains constant, it's a smart step to re-evaluate your homeowners' insurance policy from time to time to ensure you neither have more than you should nor have inadequate coverage. That hand-woven rug Aunt Molly gave you might not just be worth the $10,000 you insured it for at the moment.

Reduce your coverage by the right margin if it has dropped in value and as a result you will save and still have sufficient coverage. But understand that the reverse could also be the case where you would have to buy more coverage because it's increased in value.

5. A home without fire escapes isn't really safe as it could be. Does yours have them? If your answer is "yes" then make sure your agent knows about it as it should get you a small discount. And this applies even if they are as simple as rope ladders for rooms in the upper stories of your house. Those who don't have these will save on their home owner insurance premium if they put in place the right kind and number for their home. Ask your agent to know what qualifies you for such a discount.

6. Visit at least five insurance quotes sites. Requesting quotes from a minimum of five quotes sites raise the chances that you'd receive more affordable home insurance quotes. This is because insurance companies not represented by one site will be represented by the other. And, you know that since your chances of receiving lower home insurance quotes is proportional the number of quotes you obtain, the more insurers you obtain quotes from, the brighter your chances will be. Requesting for your home insurance quotes online will help you save much more if you sacrifice only 25 minutes to ask for quotes from a minimum of 5 sites.

Get Cheap Home Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!