Affordable Homeowner Insurance Rates -- Measures To Help You Attract Discounts

A number of ways of reducing your homeowners insurance rate do compromise the quality of coverage you enjoy and so are NOT wise. But there's a better suggestion: Implement the correct tips and do certain things right and you'll get big discounts I'll show you how...

1. Installing special security and fire systems that are monitored 24/7 is a wise move. Apart from the peace of mind you'll have in knowing your home is under constant surveillance by committed personnel, you will enjoy cheaper home owners insurance rates. Depending on the insurance provider, this type of systems can help you shave off between 25% and 30%.

2. Your home's risk perception is seriously affected by your claims records. Desist from making claims for every little thing as that will make your home a bigger risk. Once an insurance carrier considers you a higher risk, you attract higher rates.

You're, therefore, advised to NOT make claims for minor things that will not actually cost you much if you handle them personally. It will do your premiums a lot of good.

3. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get lower home insurance rates. Thieves generally don't like to operate in any environment they could be easily noticed or caught. Your rate will be reduced once you've reduced your home's risk of burglary through such lighting.

4. A higher Deductible will give you lower premium.

For people who do not know what a deductible is, it's an amount you must pay whenever you file a claim before the insurance company pays as defined in your policy terms. $250 is usually the least deductible available in home owners insurance. You'll easily make savings of around 12% on your rates if you raise your deductible from this minimum amount ($250) to $500. Increasing it to $1000 should result in twenty-four percent slash in premium. Ask your agent to know how much is possible as all insurance companies don't have the same discounts..

5. Ensure you have fire extinguishers in your home at important points or close to all fire sources. For instance, your kitchen must have a good and working fire extinguisher. You must as well make sure it is the best for your kind and size of kitchen.

And, always remember that you must keep them within easy reach. This may seem little but you'll pay more if you don't have them in your house.

6. You can save much money in homeowners insurance if you get and compare homeowners insurance quotes from insurance quotes sites. You'll make savings if you go to only one quotes site. But keep this in mind, you'll get more by visiting at least five. The simple reason for this is that you will get many more home owner insurance quotes from a wider range of insurers. This raises your chances of receiving better quotes.

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