Best Utah Homeowner Insurance -- Six Guaranteed Steps To Massive Savings

You don't have to do great things in most cases in order to reduce your Utah homeowners' insurance rates. It's normally small things that bring about huge discounts. Here are a good number of tips that will bring you closer to the goal...

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

2. Do your best to NOT leave your ladders within everybody's reach. They could really attract a burglar. In the same vein, don't leave your tools or pieces of equipment on the lawn. Burglars will have an easier ride breaking into a household that offers them such opportunities. Keep them well and you'll be avoiding a high premium.

3. Make sure you do NOT forget to subtract the land's cost from your home's value as you apply for a home insurance policy. A good number of folks spend much more than they should on home insurance because they make this mistake. Insuring your home for the purchased price without subtracting the the land's worth is a big mistake.

For folks who have mistakenly done this, meet with your agent and go through your home insurance coverage again. Reduce your coverage to the cost of your house and its contents minus the land's value.

This implies that you'll pay a lot less on home insurance. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.

4. Making your premium payments once every year will save you much when compared to monthly payments. An insurance carrier is compelled to send you 12 notices for monthly payments instead of one for yearly payments. This increases their overhead.

The cost increases if you include the fact that they pay transaction charges for processing each check you send them monthly. They pay transaction fees 12 times instead of once a year for monthly premiums. And as with everything else, it is you the client or insured who will be responsible for that cost.

You will get considerable savings if you choose to pay annually. What you'll save could be as high as 8.5% of your total monthly premiumss over the course of just one year.

5. Let your insurance carrier be paid your premiums automatically and you will get you a good discount. Simply 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 hassles.

6. The most important route to massive savings in home insurance is comparison shopping -- Given that you do it right. You can get quotes that will have a range in excess of $1,000. You could conveniently save that much by just going with the lowest quote. That should apply if you're simply after the lowest price.

However, if you're looking for the best price/value then you would have to look at the details of the lowest offers. Different insurance companies may have slight differences for similar policies. It's important that you ask the agent what's included and what's excluded.


Here are my favorite quotes sites (highly recommended)...

Get Affordable Home Insurance Quotes

Home Insurance Quotes In Minutes