Blogger BlogNet84761

Home Owner Insurance Coverage For A Lot Less -- Tips That Will Help

Published Wednesday, August 27, 2008 by bloggerblognet22596 | E-mail this post

Do you want home owner insurance coverage for a lot less? A number of suggestions for reducing your rates usually reduce the quality of coverage you get and are, therefore, NOT smart. But here's a better suggestion: Implement the right steps and do certain things right and you'll get considerable discounts Following are recommendations that are good for you...

1. Get special fire and security systems that alert fire stations, police stations or other monitoring center. Not only will you get a big discount, you will also feel safer once you remember that your home is always monitored. Even though the discount this will attract will vary from one insurance company to another, you can expect to reduce your home insurance rate by as much as 25%.

2. You can enjoy cheaper premiums if you are retired. Since not every insurer offers this discount, ask your agent before you put pen to paper.

Insurers who offer this discount know that burglars rarely go to houses where they know someone is usually around. The risk of fire destruction is also less with people who're often at home since they'll easily spot them quickly.

3. Bearing in mind that your sole reason for getting homeowners insurance is to guarantee you're properly protected from the risks associated with a home loss or damage, I'll include this although it's not a benefit of a homeowners policy. You'd have to get flood insurance at an additional $400 annually if you get a home in a flood-prone location. Unless you're paying for your home cash, just know that flood insurance will be required by your mortgagor if your home is in a flood-prone area. Unless you are sure the additional expense is a wise compromise, you'll spend less if you buy a home in a region that won't need flood insurance.

4. Making sure your home's landscaping is done right will lower your home insurance premiums. If your landscaping is done properly, there will NOT be potholes that could result in injuries to visitors. So if you want to lower your premiums make sure you have done your landscaping properly.

Make sure you tell your agent if you've already done this. And if you have not and plan to do it, discuss with your insurance agent so you will know the proper things to do in your landscaping to make sure you get the highest discounts possible from your insurance provider.

5. Make the exterior of your house fire-safe and you will lower your home insurance rate. Having things that are highly inflammable or that aid combustion close to your dwelling will make you pay higher premiums. Although cutting bushes around your home looks mundane, you will get lower premiums if you do maintain them at a distance of at least ten feet from your structures. Fire-safety is a major point that is used to calculate what you your rate will be.

I've prepared a free but high value 21-day ecourse that will show you over 120 sure-fire ways to cut down your insurance rates. Sign up for it here...

Save Up To 50% On Insurance With Over 120 Tips

As always, you can cut down your rates now by getting quotes here...

Cheaper Insurance Quotes

Chimezirim Odimba writes on insurance.

Get Started with Google AdSense
Top 20 SEO Tools