Cheap Home Owner Insurance Rates -- I Hope You Didn't Miss These Tips

Have you succeeded in your quest to cut your home owner insurance insurance rate? Did you simply stop at the few tips you learnt years ago? Are you really sure you've looked at all the ways there are to save considerably? I have some more guaranteed tips here...

1. Endeavour to place fire extinguishers at strategic points in your home. For example, your kitchen must have a good and working fire extinguisher. And make sure it is such that is proper for the kitchen in question.

And, don't forget that you must keep them within easy reach. This will help lower your home insurance rates.

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2. You will get cheaper rates if you do routine maintenance of your home regularly. Check for those dead limbs on trees on your land. What would result if they fall off at the wrong moment? Such a good maintenance routine would reduce your home insurance premium.

3. Don't insure your home along with the land it is standing on as this will cost you more but quite unnecessary. People do this without knowing. You've made same mistake if you insured your house for the price you purchased it without checking the cost of the land it's standing on and deducting it.

If you made this mistake quickly meet with your agent and review your coverage. Subtract the value of your land and buy coverage only for your home and its contents.

Your premium will be more affordable and you'll still have enough coverage if you do this right. Do not ever forget that insuring the land your home is standing on is real waste of money because it does you no good whatsoever.

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4. Everyone loves to have a beautiful swimming pool. But as far as your home insurer is concerned it increases a home's risk and therefore gets higher premiums.

Although you will pay more expensive rates if you have a swimming pool, you can bring down what you pay by having a fence around it or implement other safety precautions. Doing otherwise will make you pay much higher premiums.

5. Make out some time to visit not less than 5 insurance quotes sites that provide quotes on home insurance policies. This will take you around 25 minutes. As you visit each quotes site, make sure you give the same information. Doing otherwise will give you misleading results. When you've obtained your home insurance quotes, compare them to see which serves your interest best in price/value.

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