Home Insurance -- Steps To Help You Attract Discounts

Are you committed to bringing down your homeowners insurance costs by reducing your insurance premium? Then you're reading the right article. I'll give you several proven recommendations that will make the difference. In addition, the tips I'll share will NOT compel you to downgrade your coverage all in the name of getting discounts. Here are the tips...

1. You'll save if you get all your policies from the same insurance company. This makes you eligible for a multi-policy discount. Although You will get discounts for purchasing multiple policies from the same insurance company, you may make more by purchasing each of your policy from different insurance companies.

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2. You lower your homeowners insurance rate by taking steps that will make your house more disaster-proof. Apart from making sure that you have all in place to protect against fire and burglary, the following are recommended for different locations...

a. Storm shutters will give your home superior protection from wind damage.

b. Using a heavier roofing material will make your home more insurance friendly thereby making you get more savings on your homeowner insurance premiums if you live in a windy area.

If earthquakes disturb your area, do your best to retrofit you home.

d. Dry limbs on trees could easily cause a lot of liability issues. So make sure you cut off all dry or dead limbs on trees on your property.

e. You'll also do well if you plant your trees at a safe distance from your building for many reasons. This is because tree branches over or close to buildings could easily cause extensive damage if they fall off for any reason. Moreover, having these over your roof could greatly reduce its lifespan depending on the material employed.

If want more ways to make your home really disaster-proof, discuss with your agent.

Also discover the cost-effectiveness of each recommendation you get. Implement those that are cost-effective and you will attract better rates.

3. It is more expensive and very unnecessary to insure the land on which your house is built. People do this ignorantly. They just insure their house for its entire value without removing the land's cost.

For those who've ignorantly done this, meet with your agent and check your homeowners insurance coverage again. Deduct the value of the land and you will find out that you will need far less coverage.

This implies that you will pay a lot less on home insurance. Because insurance is for things that can't afford to lose, insuring the land which can neither get lost or damaged isn't a smart move.

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4. You pay less if you take reasonable steps to improve the quality and strength of your roof. Take serious note of this if you are in the East where high winds are more common. You can get advice from your agent on how you can reinforce your roof and receive discounts as a result. One simple step to take is to add weighty shingles.

5. Government home insurance policies could really be more expensive than policies from private companies. Some areas used to find it difficult to get home insurance coverage. Then it was just the government's policy that could buy. The case is just different now as private insurance companies are beginning to cater for such places.

Many may still have little or no other way of getting home insurance coverage apart from a government homeowners' insurance. Nevertheless, this is not always true as you may get better coverage at a lower price from some private insurance companies.

6. Visit not less than five quotes sites. Using a minimum of five quotes sites increase the chances that you would get cheaper home owners insurance quotes. This is because offers not covered by one site will be represented by the other. Moreover, you know that since your chances of getting lower home owners insurance quotes has to do with the range of quotes you obtain, the more insurers you receive quotes from, the brighter your chances will be. Getting your homeowners insurance quotes online will help you save a bundle if you sacrifice just 25 minutes to get quotes from not less than five sites.

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