Affordable Home Owners Insurance Quotes -- These Savings Tips Are Guaranteed

How far have you gone in positioning yourself to attract the lowest homeowners insurance insurance rates? Have you limited yourself to only recommendations that your friends shared with you a years ago? Won't you love to learn more if that will translate to more massive savings? I have many more time-tested tips here...

1. Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources presently in your house)? For example, your kitchen must have a good and working fire extinguisher. It's crucial that the fire extinguisher be good enough for the area it covers.

And, do NOT forget that you must make them very easily accessible. This may seem insignificant but you'll pay more if you don't have them in your house.

2. Your rates will reduce if you maintain your home. Are there dead branches on trees on your property? They could easily fall off and damage a part of your property or injure a guest.

All such things that could injure a guest on your property should be fixed as soon as you discover them. Such a good maintenance culture would lower your home insurance premium.

3. It is more expensive and very unnecessary to insure the land on which your house is standing. Those who ignorantly do this pay for more insurance than would do them any good. 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 built on and subtracting it.

If you made this mistake quickly meet with your agent and check through your home insurance policy. Deduct the land's value and you will find out that you'll need far less coverage.

Doing this will lower your premiums by a huge margin and still leave with enough home insurance coverage. No matter what you do and who you meet, bear it in mind that the only things you insure are things that can be stolen or destroyed and your land is not one of such.

4. Everyone loves to have a beautiful swimming pool. But do you realize that it increases your premium substantially especially if you don't take enough safety measures?

While I won't tell you to avoid a swimming pool on your property, ensure that you take all needed safety precautions.

5. Take out some time to visit a minimum of 5 insurance quotes sites that offer quotes on home insurance policies. This should take you not more than 25 minutes. As you visit each quotes site, ensure you give the same information. Doing otherwise will produce misleading results. When you've received your home insurance quotes, compare them to determine which serves your interest best in price/value.

Get Cheap Home Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!