Best Homeowners' Insurance -- Six Guaranteed Steps To Massive Savings

Contrary to what you might have come to expect, you don't really have to do very exceptional things in order to get the most affordable policy that gives you adequate coverage. It's normally small things that result in massive savings. I'll take the pains here to reveal such things...

1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get lower home insurance home owners insurance rates. Burglars will keep off from places where their activities will be easily observed. And motion-sensitive lighting does just that. The risk of burglary is a strong factor in determining a home's risk to an insurer and, by extension, your rate.

2. Don't leave ladders in places where someone can easily use them. They could actually attract a burglar. In the same vein, do NOT leave your tools or pieces of equipment on the lawn. Thieves will have an easier ride breaking into a household that gives them such opportunities. Keeping these things in a safe place will save you many heartaches along with more affordable rates.

3. Do not insure your house along with the land it is built on as this is more expensive but needless. Some people spend much more than they should on home insurance because they make this mistake. They just insure their house for its full value without deducting the land's cost.

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

This means you'll spend far less on home insurance. Bearing in mind that insurance is for things that can't afford to lose, insuring the land which can neither get lost or damaged isn't a smart move.

4. Making your premium payments once every year will save you much when compared to monthly payments. An insurance carrier sends 12 notices for monthly payments as opposed to one for annual payments. This increases their overhead.

The cost shoots up if you include the fact that they pay transaction fees for processing each check you give them monthly as payment. twelve checks are 12 transactions which attract 12 different transaction charges. And as with everything else, it is you the end user or policy holder who bears that cost.

You will make considerable savings if you start paying annually. You could save up to a month's premium within a year.

5. Set up your account to pay your rates automatically and you will enjoy more affordable premiums for that. All you have to do is to advise your bank or credit card company to send your premiums at certain periods automatically until advised to stop. Apart from being more convenient, you'll get a discount for this.

6. You will save a lot if you only have between 25-30 minutes. Visit, get and compare home insurance quotes from various insurance quotes sites. The cheapest offer should be what you pick easily. But, you have to look beyond just the lowest price to the best price to value ratio. The cheapest may not be the best price/value for you as an individual.

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