Home Insurance -- Suggestions To Help You Attract Discounts

Are you serious about bringing down your homeowners insurance costs by saving on your premium dollars? Then you're reading the right article. I'll discuss a lot of time-tested tips that will make you qualify for many discounts. And this will be without downgrading the level of coverage you enjoy. Here are the tips...

1. Using the same insurer for more than one policy will get you discounts. Insurers give discounts (multi-policy discounts) for policyholders who buy more one policy from them. Even though You will receive discounts for purchasing multiple policies from the same insurer, you may make more by purchasing each of your policy from different insurance companies.

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2. You can make your home almost disaster proof thereby lowering your risk and, as a result, your homeowners insurance rates. The following are necessary after taking precautions against fire and burglary depending on area...

a. Storm shutters will afford your home better protection from wind damage.

b. Using a heavier roofing material will make your home more insurance friendly thereby allowing you get more savings on your home insurance premiums if you reside in a windy area.

c. Retrofitting your home as a defence against earthquakes.

d. Dry limbs on trees could easily cause damages. So ensure that you cut off all dry or dead limbs on trees on your property.

e. You will also do well if you keep your trees at a safe distance from your house for obvious reasons. This is because tree limbs over or close to buildings could easily result in extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material it is made of.

Ask your home owners insurance agent for other things you could do if you intend to lower your home's risk.

Also discover the cost-effectiveness of each recommendation you receive. Use those that justify your expenses and you will attract lower rates.

3. Do not insure your house along with the land it is standing on as this will cost you more but quite unnecessary. Some folks pay much more than they should on their home insurance due to this mistake. Insuring your home for the purchased price without deducting the value of the land it stands on is a big mistake.

For those who've ignorantly done this, call your agent and check your homeowners' insurance coverage again. Deduct the land's value and buy coverage only for your house and its contents.

This implies that you will pay far less on home insurance. No matter what you do and who you meet, bear it in mind that the only things you insure are things that can be lost or damaged and your land is not one of such.

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4. The level to which you improve your roof could get you a discount. Take special note of this if you live in the East where high winds are more common. Your agent should be able to give steps that you should take if you a discount this way.

5. Government home insurance policies might really be costing you more than what you can now get with private companies. Certain areas used to find it difficult to get home insurance coverage. Most people in those regions had just one option: Government home owner insurance offered by a government agency. However, at present there are many private insurance companies who also give coverage for such regions.

Many may still have little or no other way of obtaining home insurance coverage apart from a government home owner insurance. But for those whose areas are now serviced by private insurance companies, you can expect to pay more affordable premiums than you would with government agencies.

6. You can bring down your home owner insurance costs by getting and evaluating quotes from at least five good quotes sites.

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