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

You don't need to do difficult things in most cases in order to lower your home owners insurance rates. Just understanding some compulsory steps and applying them will make a real difference. I'll take some time out in this article to show you such things...

1. You will pay less if you've got motion-sensitive lighting for your home's exterior. Thieves naturally don't like to operate in any place they could be easily noticed or caught. Your homeowners' insurance rate will be lower once you've reduced your home's risk of burglary through this kind of lighting.

2. Do NOT leave ladders in areas where someone can easily pick them. Keeping it in such a manner would be making a burglar's mission a lot easier. In the same manner, do NOT leave your tools or machinery on the lawn. Like ladders, tools and such could help a burglar in breaking into your house. Keeping these things properly will save you many heartaches along with cheaper rates.

3. It's more expensive and very unnecessary to insure the land on which your house is standing. A good number of folks spend much more than they should on home insurance because they make this mistake. Insuring your home for the full price you bought it without deducting the the land's cost is an expensive error.

For those who've mistakenly done this, call your agent and go through your home insurance coverage again. Lower your coverage to the cost of your home and its contents minus the cost of the land.

Doing this will reduce your home insurance rates considerably and still leave with enough home insurance coverage. No matter what you do and who you get in contact with, bear it in mind that the only things you insure are things that can be lost or destroyed and your land is not one of such.

4. Electing to pay your premiums on a monthly basis results in higher home insurance rates than you'd spend if you decide to pay annually. This is because posting twelve bills by mail each month costs your insurer much.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you give them monthly as payment. They pay transaction fees 12 times instead of once anually for monthly payments. These and other charges so incurred by your insurance company are eventually passed over to you, the insured..

Therefore opt for yearly payments instead if you intend to make savings through this means. The real amount you could save might differ but you may be able to save up to a month's premium worth with most insurers if you choose this option.

5. Set up your account to pay your premiums automatically and you'll enjoy lower premiums for that. Just let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurer. In addition to saving you in rates you will also save yourself much time and avoidable stress.

6. While you do these other things to lower your home premium, here's what to do to get lower rates today. Visit trusted quotes sites and request for quotes. Visit at least five of such for the best results. It's free, quick and easy. Make sure you give your correct details as you complete the questionnaires presented. Thereafter, simply pick the offer that gives you the best price/value from the quotes you receive.

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