Would you like more affordable homeowner’s insurance rates? If your answer is "Yes" you have to do everything within your reach to uncover as many tips as there are for cheaper rates. Here are several tips that will help you reduce your rate by as much as 50% if you apply them the right way...
1. Do you have smoke and fire detectors installed? You will get lower homeowner’s insurance premiums especially if you've installed the right numbers for your size and type of home.
With these fires will be noticed on time and put off more easily before they can do any real damage. And because the risk of fire in a home is important in calculating home insurance premiums, you'll spend far less by taking this step.
2. Get a group home owners insurance policy if within your reach because you'll attract a lower rate with it. You should be aware if your employer gives such. Many associations have also negotiated discounts for their members with home insurers so find out if yours has such.
However, before you apply this option, compare the premiums you'll get from such an association with what you will pay with another insurance company. This is because you may end up getting an insurer that is willing to take less than you'll even obtain with your association's discount. Doing extensive shopping will help you get the most affordable rates.
3. Fixing advanced security and fire systems that are monitored 24/7 is a smart move. You get huge discounts apart from the fact that you'll feel safer that your home is being watched by trusted people. Depending on the insurance provider, this kind of systems can help you save between 25% and 30%.
4. Do you have locks on all your windows? If you don't you will be spending more because of that. Expect to get far more affordable homeowner’s insurance rates if you have windows that have burglary-proof bars Therefore, if you are not bothered by having burglary-proof bars in your house, have them fixed and you'll be charged much less in your homeowner’s insurance rate.
5. Ensure that the exterior of your home is fire-safe and your rate will be cheaper. Having things that are quite inflammable or that help combustion close to your dwelling will make you pay more expensive rates. Bushes near your home should be cut and maintained at not less than 10 feet from your structure. The risk of a fire in a home is a very strong issue that influences your home insurance rate.
6. You will save a lot of dollars by visiting a minimum of 5 home insurance quotes sites. If you do this, you'll make it most likely that you'll get all the lowest homeowner’s insurance quotes available since five sites will return not less than 25 quotes altogether.
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