Cheap Homeowners Insurance -- Sure-Fire Recommendations

You will easily spend less for appropriate coverage if you have and implement the right advice. It is equally necessary that I point out that there are tips that might put you at risk even if they save you at the moment. I will, nevertheless, only give tips that will save you much while you still maintain the right coverage...

1. Installing special security and fire systems that are monitored 24/7 is a smart move. Apart from the peace of mind you'll have in knowing your home is under constant surveillance by committed personnel, you will get lower home insurance premiums. Even though the discount this will get you will differ from one insurance company to another, you can expect to reduce your home insurance premium by as much as 25%.

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2. It pays to purchase more than a policy from the same insurance carrier as this will bring considerable savings. Insurance carriers give discounts to policyholders who buy more one policy from them. But you could make more savings with different insurance providers than you'll get from a multi-policy discount.

I will clarify this...

Let's make believe that you have four policies: Life, health, auto and home. Keeping this number of policies with any insurer is sure to get you a huge discount. However, we will consider it from a rather global view to see another possibility...

I've made up the following rates just for explanation...


Insurer A

Life insurance: $2,590

Health insurance: $2,200

Auto insurance: $3,500

Home: $2,100


Insurer B

Life insurance: $3,100

Health insurance: $2,400

Auto insurance: $2,500

Home insurance: $2,400


Insure C

Life insurance: $2,900

Health insurance: $1,900

Auto insurance: $2,800

Home insurance: $2,700


Insurer D

Life insurance: $2,100

Health insurance: $2,300

Auto insurance: $2,750

Home insurance: $2,600


Assuming these premiums were offered to you, your sum for the four policies would be $10,390 if you bought all policies from insurer A. With a multi-policy discount of 10% what you will pay will drop to $9,351. This is quite remarkable knowing that you'll save over $1,000.

However, how smart this option is becomes clear when you compare it with what would have been saved if you bought from the insurer who had the best rate per policy...

The following are the best quotes from different carriers for the different policies: $2,1000 from Insurer A; $2,500 from Insurer B; $1,900 from Insurer C and $2,100 from Insurer C. This gives a sum of $8,600 even though you weren't given any multi-policy discount.

By extensive shopping and choosing the best quotes from different insurers, you would have paid $751 less than a person of the same profile who bought from the first company with a 10% multi-policy discount.

So take your time to find out which is more beneficial. Take your time to get and compare as many home owners insurance quotes from as many quotes sites as possible. You'll almost always save a lot more if you get and compare quotes from not less than 5 insurance quotes sites because you will be less likely to miss many great offers.

3. Have you stayed with your home insurer for up to 3 years? Then ask for a loyalty discount. Nevertheless, I do NOT expect that you stick with an insurance company for that long simply because you are waiting to qualify for a loyalty discount.

I can almost bet that you can get rates that are a lot less than what you're paying presently. The key is doing very extensive shopping. Look for insurers that you've never received quotes from and obtain and compare quotes from them.

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4. There's the chance that you could spend less for home insurance if you take the time to check your policy either whenever there is a considerable change in your home or just routinely once of twice yearly. That rare fur coat might no longer be worth as much as when you bought it.

Reduce your coverage by the same percentage if it has dropped in value and, consequently, you will save and still maintain enough coverage. However, remember that a review could as well show that it's now worth a lot more and so require that you increase your coverage.

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