How well have you done in your bid to bring down your Utah homeowners' insurance costs? Have you limited yourself to a few recommendations that your friends shared with you a years ago? Won't you love to learn more since that will mean saving even much more? I have a few more time-tested tips here...
1. Ensure you have fire extinguishers in your house at very strategic points or near all fire sources. For instance, your kitchen must have a good and working fire extinguisher. It's important that the fire extinguisher be adequate for the point it covers.
Put them within easy reach and ensure they are working well. This will help reduce your home insurance rates.
2. Do routine maintenance of your home if you want reduce premiums. Check for dead limbs on trees on your property. They are capable of raising a liability issue. Such a good maintenance routine would reduce your home insurance premium.
3. It is more expensive and needless to insure the land on which your house is built. Folks do this without knowing. They just insure their house for its full value without removing the cost of the land.
For those who have mistakenly done this, call your agent and check your Utah homeowner's insurance coverage again. Lower your Utah homeowner's insurance coverage to the cost of your house and its contents minus the land's value.
This implies that you will pay far less on home insurance. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or destroyed and your land is not one of such.
4. A house with a swimming pool is something everyone likes having. But as far as your home insurer is concerned it increases a home's risk and therefore attracts higher premiums.
While I will not tell you to NOT have a swimming pool around your home, make sure you take all needed safety precautions. If you don't your home insurance rates will increase.
5. You will save a lot if you only have between 25-30 minutes. Visit, receive and compare home insurance quotes from several insurance quotes sites. The lowest offer should be your choice easily. But, you have to look beyond simply the cheapest quote to the best price/value. The cheapest may not offer the best price/value for you as a person.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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