You'll get cheaper home insurance rates if you do your landscaping properly. Things like potholes raise the likelihood of injuries that could lead to liability claims. So if you want to reduce your premiums make sure you've done your landscaping right. If you are still thinking about it then you should discuss with your agent for recommendations that could help you save even more.
Having a smoker in your home will increase your Washington homeowners insurance premium considerably. And reports have it that over 23,000 residential fire every year could be traced to smoking. You will spend less in home insurance if no member of your household smokes. If you're a smoker at the time you purchased your policy, you're eligible for a review if you have stopped. If your insurance company refuses to reduce your premiums after you've stopped, go to another insurance company.
If you reinforce your roof you will get lower home insurance rates. Take special note of this if you are in the East where high winds are more common. If you want advice on how to reinforce your roof and get discounts for doing so, discuss with your agent. One easy step to take is to add weighty shingles.
According to statistics from a reliable source, 33% of all liability claims (costing insurers a whooping $1 billion) annually are caused by dog bites. This justifies the much more expensive rates that dog owners typically attract. Don't keep dogs or do your best to keep them in such a way that they won't be able to hurt anyone. Your agent should be able to show you steps you can take that will result in a discount.
We sometimes want to renovate our house. Your reason may not be to reduce your home insurance rate. You just want to make your home fit your taste or ensure everything works like brand new.
If you do this you'll qualify for a more affordable homeowners insurance rates. So ensure your agent knows about it.
Brand new houses and houses that have been renovated are lower risks to an insurer and therefore attract cheaper home insurance premiums. But keep it at the back of your mind that the more extensive the renovation is, the bigger the discount you will get.
Having a smoker in your home will increase your Washington homeowners insurance premium considerably. And reports have it that over 23,000 residential fire every year could be traced to smoking. You will spend less in home insurance if no member of your household smokes. If you're a smoker at the time you purchased your policy, you're eligible for a review if you have stopped. If your insurance company refuses to reduce your premiums after you've stopped, go to another insurance company.
If you reinforce your roof you will get lower home insurance rates. Take special note of this if you are in the East where high winds are more common. If you want advice on how to reinforce your roof and get discounts for doing so, discuss with your agent. One easy step to take is to add weighty shingles.
According to statistics from a reliable source, 33% of all liability claims (costing insurers a whooping $1 billion) annually are caused by dog bites. This justifies the much more expensive rates that dog owners typically attract. Don't keep dogs or do your best to keep them in such a way that they won't be able to hurt anyone. Your agent should be able to show you steps you can take that will result in a discount.
We sometimes want to renovate our house. Your reason may not be to reduce your home insurance rate. You just want to make your home fit your taste or ensure everything works like brand new.
If you do this you'll qualify for a more affordable homeowners insurance rates. So ensure your agent knows about it.
Brand new houses and houses that have been renovated are lower risks to an insurer and therefore attract cheaper home insurance premiums. But keep it at the back of your mind that the more extensive the renovation is, the bigger the discount you will get.
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