Home Owners Insurance -- 7 Sure Tips

Contrary to what you might be made to believe, it's quite easy to position yourself for a cheaper rate. The two things that that keep you from getting a cheaper rate now are the right information and a commitment to use the recommendations you get -- Period. Let us now look at a few time-tested ways to get better rates...

1. Do not insure your house along with the land it is built on as this is more expensive but quite needless. Those who ignorantly do this are paying a lot more than would be of any benefit. You've made the same mistake if you insured your home for the price you purchased it without checking the cost of the land it's built on and subtracting it.

For those who have mistakenly done this, meet with your agent and go through your home insurance coverage again. Deduct the land's cost and you will realize that you'll need far less coverage.

With such a review you will reduce your premiums by a huge margin and still leave with sufficient home insurance coverage. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or destroyed and your land is not one of such.

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2. Your rate is affected by your credit history. The lower your credit rating, the higher the rates you get. If your credit rating is bad then you've NOT been faithful in paying up your bills. This is a behavior that most insurers believe will play out again in the way you handle your premiums. This makes you less attractive to them and you, therefore, are made to pay much more than some other person with similar profile that has a very good rating.

It will, therefore, be a smart step to do something about making your credit rating better. It makes it easier for you to get more affordable rates among other things.

3. You'll get lower rates if you choose to pay your premiums annually and not monthly. An insurer sends 12 notices for monthly payments instead of one for annual payments. This increases their overhead.

If you add to the fact that each check you make out is seen as a transaction by their bankers, you will see that they still spend some more on transaction fees for each check you pay in. They pay transaction charges 12 times instead of once yearly for monthly premiums. And, if you really come to think of it, these extra overheads are eventually added to your rates.

As a result, you'll get lower premiums if you choose to pay your rates annually. What you'll save could be as much as 8.5% of your total monthly premiums over the course of just one year.

4. Make the exterior of your home fire-safe and you will bring down your home insurance rate. Do you have things that could easily help combustion near your structure? They will make you get higher rates. Although cutting bushes around your house looks mundane, you will get lower premiums if you do keep them at a distance of at least ten feet from your structures. The risk of fire in a house is one very strong factor that determines your home insurance premium.

5. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get lower home insurance premiums. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does this precisely. Your rate will be reduced once you've reduced your home's risk of burglary with this type of lighting.

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6. Dead-bolt locks on all your exterior doors will help you get a cheaper rate. It's more difficult for thieves to operate in homes that have such locks. And as you know, the lower the risk of burglary in a house, the more affordable rates it will get.

7. Having window locks on each of your windows will help reduce your home's risk of burglary. You can take this to another level by building in burglary-proof bars on them all. Although most people don't like this because it makes them feel imprisoned in their own house, it really does lower your premium considerably. If you are NOT against this quickly fix them in your home and enjoy lower rates.
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