Home Owners Insurance -- For Those Who Want More Affordable Rates

Are you committed to bringing down your home owners insurance costs by reducing your premium dollars? Then you're reading the the article you need. I'll give you several sure-fire tips that will make the difference. Moreover, the tips I'll share will NOT force you to downgrade your coverage all because of attracting cheap rates. Here are the tips...

1. You'll save if you buy all your policies from the same insurer. This makes you eligible for a multi-policy discount. But you might save more with different insurance providers than you'll get from a multi-policy discount.

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2. The more you strengthen your home to withstand perils the more affordable your rates will be. You can make this happen by taking all the inevitable precautions against fire and burglary in addition to the following depending on where you reside...

a. You will get superior protection from wind damage if you fit a storm shutter.

b. Those who live in locations that are prone to high winds will make their home more secured if they use heavy roofing material. That is apart from the fact that it helps lower their rates.

c. If you reside in a state where earthquakes are likely, you will save if your home is retrofitted for earthquake protection.

d. Cutting off dry branches on trees on your property will lower the probability of a branch falling off and causing injury and/or damage.

e. You will also do well if you plant your trees at a safe distance from your building for many reasons. You will run a higher risk of a branch falling off and damaging your roof. Moreover, having these over your roof could seriously reduce its lifespan depending on the material involved.

Your agent will tell you other things that you can do to make your home a lower risk to your insurer.

Also find out the cost-effectiveness of each suggestion you receive. Apply those that are cost-effective and you will get more affordable rates.

3. It is more expensive and needless to insure the land on which your house is built. Some folks spend much more than they should on their homeowners insurance because they make this mistake. You have made same mistake if you insured your home for the cost you purchased it without finding out the cost of the land it's built on and deducting it.

For those who've ignorantly done this, meet with your agent and go through your homeowner insurance coverage again. Deduct the land's value and you will realize that you'll need far less coverage.

Doing this will lower your premiums considerably and still have adequate home insurance coverage. Bearing in mind that insurance is for valuables that can't afford to lose, insuring the land which can neither get lost or damaged isn't a smart move.

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4. If you reinforce your roof you will get lower home owner insurance rates. Take special note of this if you live in the East where high winds are more common. If you want to know how to strengthen your roof and get discounts for doing so, discuss with your agent. One simple step to take is to add weighty shingles.

5. You may be paying a lot more if your's is a government home owners insurance policy. It used to be extremely hard to find insurers if you live in certain high crime areas or places that were affected by certain natural disasters. Some people in those regions had just one choice: Government home owner insurance offered by a government agency. However, at present there are many private insurers who also give coverage for such places.

Many may still have little or no other way of getting home insurance coverage apart from a government home insurance. But for people 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 could save some hundreds of dollars by just receiving and evaluating quotes from about five insurance quotes sites. And, it will require just a total of 25 minutes.
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