Home Owners Insurance -- For Those Who Want Cheaper Rates

Are you really interested in slashing your homeowner insurance costs by reducing your premium dollars? Then you've come to the right article. I'll give you a lot of time-tested tips that will make the difference. Moreover, the tips I'll discuss will NOT compel you to make do with inadequate coverage all because of getting cheap rates. Here they are...

1. It pays to purchase more than one policy from the same insurance carrier as this will attract massive savings. This is called a multi-policy discount and is given by all insurance companies. However, you might save more by getting your policies from different insurance companies.

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2. You can make your home almost disaster proof thereby reducing your risk and, consequently, your homeowners insurance rates. You can make this happen by taking all the necessary precautions against fire and burglary as well as the following depending on where you reside...

a. If you live in a locality that's very susceptible to wind damage, you'll make considerable savings by fitting storm shutters.

b. Using a heavier roofing material will make your home more insurance friendly thereby allowing you save more on your home insurance rates if you reside in a windy area.

c. If you live in a state where earthquakes are a threat, you'll save if your house is retrofitted for earthquake protection.

d. For folks who have trees on their properties, you'll save yourself in your home insurance premium if you make sure you cut off every dead or dry branch since they can easily lead to liability claims.

e. It is also recommended that you ensure no trees come to your structure. This is because tree branches over or close to structures could easily result in extensive damage if they fall off for any reason. Depending on the type of roofing material you use, this could also reduce its durability.

Your agent will help you with other things that you can do to make your home a better risk to your insurer.

Compare what applying each would cost and by what factor it will reduce your rate. Implementing these steps will help you reduce your home insurance rates.

3. It is more expensive and needless to insure the land on which your home is built. Folks do this ignorantly. They just insure their house for its full value without removing the cost of the land.

For those who've mistakenly done this, call your agent and check your home insurance coverage again. Deduct the land's price and you will discover that you will need far less coverage.

This means you will spend far less on home insurance. Since insurance is for valuables that can't afford to lose, insuring the land which can neither be lost or damaged isn't right.

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4. If you strengthen your roof you'll get lower home owner insurance premiums. Take special note of this if you live in the East where high winds are more common. If you want advice on how to reinforce your roof and enjoy discounts for doing so, discuss with your agent. Fitting weighty shingles is one way to do it.

5. Government home insurance policies could really be more expensive than policies from private companies. It used to be quite hard to find insurance providers if you reside in certain high crime areas or places that were affected by particular natural disasters. The only solution for such folks then was to go to a government agency that sold government home owners insurance. The story is just different now as private insurance companies are beginning to cover such areas.

Depending on your location, though, you might still have no other choice but to buy government home owner insurance. However, this is not generally true as you may get better coverage at a lower price from some private insurers.

6. You can get lower rates on your home owners insurance policy today by visiting a minimum of five quotes sites. Each quotes site will take you about 5 minutes or less to request quotes. (Some people give details that are not really correct about themselves. That isn't smart as the quotes you'll get this way won't be of any use to you). You'll have to choose the best homeowner insurance quote for you from the list of quotes returned. That's all there is to it. Nevertheless you could easily save hundreds of dollars.
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