Cheap Home Insurance -- 6 Time-Tested Tips For Massive Savings

You don't have to do exceptional things in most cases in order to reduce your home insurance rates. It's usually little things that help you get big discounts. I'll take the pains here to reveal such things...

1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get cheaper home insurance homeowners' insurance rates. Your home becomes less attractive to thieves because they'll be spotted easily. The risk of burglary is a strong factor in calculating a home's risk to an insurance company and, by extension, your rate.

2. Do NOT leave ladders in areas where someone can easily pick them. You might be helping thieves with the very tools they need for their activity. Do not also abandon your tools, machinery or things like that on the lawn or wherever in the open as they could cause accidental injury and increase your liability claims. Like ladders, tools and such could help a thief in breaking into your home. All such things will ultimately add to rate if you don't keep them in the properly.

3. Don't insure your home along with the land it is standing on as this will cost you more but very unnecessary. A good number of people spend much more than they should on home insurance on account of this mistake. Insuring your home for the purchased price without subtracting the cost of the land it stands on is an expensive error.

If you did this quickly call your agent and re-evaluate your home insurance policy. Reduce your coverage to the cost of your house and its contents minus the land's value.

This implies that you will spend far less on home insurance. Because insurance is for valuables that can be lost or damaged, insuring the land which can neither get lost or damaged isn't a smart move.

4. Yearly premium payments will save you much when compared to monthly payments. This is because posting twelve bills by mail monthly costs your insurance company much.

As if that was NOT enough expense, each check they get attracts a transaction charge as well. 12 checks are 12 transactions which incur 12 separate transaction charges. And, believe it or not, these additional costs are eventually added to your rates.

Therefore, you will get cheaper premiums if you opt to pay your premiums yearly. You could save up to a month's premium in just a single year.

5. Let your insurance provider be paid your premiums automatically and you will get you a good discount. Simply tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurer. This is strongly advised because of how easy it is and the fact that it gets you a discount.

6. You can reduce your home insurance costs by asking for and comparing quotes from at least five reputable insurance quotes sites.

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