Wednesday, March 18, 2009

Low Cost Home Insurance Rates -- Making It Possible

By Chimezirim Odimba

You qualify for a retiree discount once you are retired. But bear in mind, though, that not all insurers give this discount.

The reason for this discount is the fact that someone being almost always at home makes a home less-prone to burglary attacks. The risk of fire damage is also reduced with people who're often at home since they will easily spot them early.

You'll as well enjoy a discount if you have motion-sensitive lighting in your home. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does this precisely. Your rate will be reduced once you've reduced your home's risk of burglary with this kind of lighting.

Do you have a fire extinguisher or fire extinguishers in your home (depending on the number of fire sources presently in your house)? If you don't have any other place, make sure your kitchen has one. It's crucial that the fire extinguisher be adequate for the place it covers.

Make sure they are within easy reach and ensure they are in good working condition. Doing this will help you reduce your premiums.

You'll pay cheaper premiums if your area has a community watch. Let your home insurance agent know if there is one in your community. And, if you don't have it in your neighborhood, you can start one. Everybody in your community stands to benefit as this will reduce their home insurance premiums.

Installing a sprinkler will get you considerable discounts. They make your home better protected against fire damage and thus makes your home a better risk. Being a better risk means you get cheaper rates. Although they're by no means cheap, they'll get you remarkable discounts.

Visit at least five quotes sites. Visiting at least five quotes sites raise the chances that you'd obtain cheaper home insurance quotes. This is because insurance companies not covered by one site will be represented by another.

And, you know that since the likelihood of receiving lower home insurance quotes has to do with the number of quotes you obtain, the more insurers you obtain quotes from, the better your chances will be.

Getting your home insurance quotes online will help you save a bundle if you sacrifice only 25 minutes to obtain quotes from a minimum of five insurance quotes sites.

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