Cheaper Homeowners' Insurance -- 6 Proven Ways To Massive Savings

It doesn't normally take applying very many tips to get massive savings while enjoying sufficient coverage. You may be shocked to find out that all that's making it difficult for you to get far more affordable home owners insurance rates are minor things you can easily deal with. Here are several tips that will help you achieve that goal...

1. Motion-sensitive lighting reduces your home's risk of burglary and, therefore, helps you get lower home insurance premiums. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does this precisely. The risk of burglary is a strong factor in determining a home's risk to an insurance company and, consequently, your rate.

2. Do your best to NOT let your ladders lie around within anybody's reach. Doing this would be making a thief's operation a lot easier. Do NOT as well let your tools litter around. They also make breaking and entry a lot easier for burglars. All such things will eventually add to rate if you do not keep them in the right place.

3. Make sure you don't make the mistake of not subtracting the land's cost from the home's value while applying for a home insurance policy. People do this ignorantly. They just insure their house for its entire value without removing the cost of the land.

If you did such ignorantly, you need to review your home insurance coverage and go through it again with your agent. Lower your coverage to the worth of your house and its contents minus the land's cost.

Your home owners insurance rate will be less and you'll still have adequate coverage if you do this right. No matter what you do and who you get in contact with, don't forget that the only things you insure are things that can be stolen or destroyed and your land is not one of such.

4. You'll pay cheaper homeowners' insurance rates if you elect to pay your premiums yearly and not monthly. A major reason for this is the cost an insurance company incurs for posting you 12 bills instead of just one anually.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you send them monthly. They pay transaction fees twelve times instead of once anually for monthly payments. And as with every other thing, it is you the end user or policy holder who bears that cost.

Therefore, you'll attract cheaper premiums if you choose to pay your rates anually. The actual amount you could save may differ but you may be able to save up to a month's premium worth with some insurers if you choose this option.

5. Set up your account to pay your premiums automatically and you'll enjoy cheaper home insurance rates for that. All you have to do is to tell your bank or credit card company to send your premiums at at a particular time automatically until told otherwise. This is recommended because of its convenience and the fact that you also get a discount.

6. Make out some time to visit a minimum of five insurance quotes sites that provide quotes on home insurance policies. This should take you around 25 minutes. While you visit each site, make sure you give the same information. Doing otherwise will return misleading quotes. After you've obtained your home insurance quotes, compare them to determine which serves your interest best in price/value.

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