Cheap Homeowners Insurance -- 6 Time-Tested Tips For Bigger Savings

You don't need to do difficult things in most cases in order to bring down your homeowner insurance rates. You may be shocked to discover that all that's keeping you from far cheaper homeowner insurance rates are simple things you can quickly take care of. I'll take the pains in this article to show you some of those things...

1. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, helps you get lower home insurance premiums. Burglars will keep off from places where their movement will be easily observed. And motion-sensitive lighting does this precisely. Since thieves avoid houses with such lighting, you lower your home's risk of burglary and, consequently, your rates.

2. Make sure you do NOT leave ladders lying around. Doing this would be making a thief's operation much easier. In the same vein, do NOT forget your tools or pieces of equipment on the lawn. Burglars will have an easier time breaking into a household that hands them such opportunities. Keeping these things properly will save you many heartaches along with cheaper rates.

3. Make sure you don't make the mistake of not subtracting the land's value from your home's value as you apply for a home insurance policy. People do this ignorantly. They just insure their house for its complete value without deducting the cost of the land.

For folks who have mistakenly done this, call your agent and go through your home insurance coverage again. Reduce your coverage to the worth of your house and its contents minus the land's value.

Your home insurance rate will be less and you'll still have sufficient coverage if you do this right. No matter what you do and who you meet, remember that the only things you insure are things that can be lost or destroyed and your land is not one of such.

4. Yearly premium payments will save you much when compared to monthly payments. A major reason for this is the cost an insurance company incurs for posting you twelve bills instead of just one yearlly.

As if that was NOT enough expense, each check you send attracts a transaction charge too. 12 checks mean 12 transactions and will attract 12 separate charges.. And, believe it or not, these extra costs are ultimately built into your rates.

Therefore opt for annual payments instead if you want to save through this means. The real amount you could save might differ but expect to save up to a month's premium worth with some insurance companies if you settle for this option.

5. Having your premium removed automatically from your account will get you cheaper premiums. Simply let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurer. This is recommended because of how easy it is and the fact that you also enjoy a discount.

6. You will save much money in home insurance if you get and compare home insurance quotes from quotes sites. You'll realize savings if you use just one quotes site. But, you'll get better results by using at least five. The plain logic in this is that you'll receive a greater number of home insurance quotes from many more insurance companies. This raises your chances of receiving better rates.

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