Cheaper Homeowners Insurance -- Six Time-Tested Steps To Massive Discounts

You don't need to do exceptional things in most cases in order to lower your home owner insurance rates. It's normally small things that result in huge savings. Let's go through a good number of them in this article...

1. You'll also enjoy a discount if you have motion-sensitive lighting in your home. Your house becomes a no-go area for thieves since they'll be noticed easily. The risk of burglary is a key factor in calculating a home's risk to an insurer and, by extension, your rate.

2. Ensure you don't leave ladders hanging around. Keeping it in such a manner would be making a burglar's mission a lot easier. Don't also let your tools litter around. Burglars will have an easier ride breaking into a household that provides them such opportunities. Keep them well and you'll be avoiding a high premium.

3. It's more expensive and very unnecessary to insure the land on which your house is standing. Some people pay much more than they should on home insurance due to this mistake. Insuring your home for the full price you bought it without deducting the value of the land it stands on is a big mistake.

If you made such a mistake, you'll have to review your home insurance coverage and check it again with your agent. Deduct the cost of your land and use only the cost of your home and its contents.

This means you'll spend a lot less on home insurance. Bearing in mind that insurance is for valuables that can be lost or damaged, insuring the land which can neither be lost or damaged isn't a smart move.

4. Electing to pay your premiums on a monthly basis leads to more expensive premiums than you'd pay if you choose to pay annually. This is because sending you twelve bills by mail each month costs your insurance company much.

The cost increases 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 incur 12 separate transaction charges. And, if you really come to think of it, these additional costs are ultimately built into your rates.

Therefore opt for yearly payments instead if you want to save this way. What you'll save could be as much as 8.5% of your total monthly payments over the course of just one year.

5. Set up your account to pay your rates automatically and you'll get cheaper homeowners' insurance rates for that. Simply let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurance provider. This is strongly advised because of how easy it is and the fact that it gets you a discount.

6. You will save much by visiting not less than five home insurance quotes sites. If you do this, you will get the lowest quotes possible because five sites will give not less than 25 quotes altogether.

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