Blogger BlogNet84761

Affordable Home Insurance - How to Keep Your Homeowners Insurance Rates Down Low

Published Monday, August 25, 2008 by bloggerblognet22596 | E-mail this post

Homeowners insurance premiums keep going up across the US. Some reasons for increases are catastrophes we have all seen on the news like floods and storms. However the costs of repairs has also increased, and this will increase insurance prices. Third, the housing stock in the US is aging. Older houses tend to need repairs, which can make them more vulnerable to damage. So the combination of major disasters, higher repair costs, and older homes has pushed the price of home insurance up.

However, you can take some simple steps to lower your own rates. If you are in the market for a home right now, be sure and get a rate quote. Most of us try to figure out how much a new home purchase will cost us, and that costs includes insurance as well as a mortgage and property tax. An older home may seem a lot cheaper, but it may not actually work out that way if you factor in all the costs associated with that purchase.

If you do live in an area that is prone to a particular type of storm damage, take a few minutes to find out what sort of improvements may lower your premiums with a discount for disaster-proofing. Storm shutters, reinforced roofs, and modern wiring can reduce risks. These are sensible steps to take anyway, and if you get a discount from your insurance company, that is an added benefit!

If thefts have been a problem in your area, learn about discounts you may get for installing alarms or burglar bars. Sometimes you can even get a discount for installing deadbolt locks. And of course, smoke detectors are a must, both to earn lower premiums, and maybe even to save your life!

When you look into discounts, you may be able to save 15 to 20 percent every year. For most of us this saves hundreds of dollars a year. So help yourself to lower premiums while improving your security and quality of life.

Visit us to learn more about obtaining the Best Homeowners Insurance Quotes

http://bestquoteus.com/bestquotes/home-insurance/affordable-homeowners-insurance-quotes/

Web Development Company

0 Responses to “Affordable Home Insurance - How to Keep Your Homeowners Insurance Rates Down Low”