Cheap Home Owner Insurance -- 6 Time-Tested Steps To Massive Savings

It doesn't normally take implementing a hundred tips to realize massive discounts while enjoying sufficient coverage. You may be surprised to find out that all that's keeping you from far more affordable home owners insurance rates are simple things you can easily take care of. I'll take the pains here to explore such things...

1. You'll get cheaper home owners insurance rates if you've got motion-sensitive lighting in your home. Your home becomes less attractive to thieves because they'll be spotted easily. Your homeowner insurance rate will be lower once you've lowered your home's risk of burglary with this type of lighting.

2. Do NOT leave ladders in areas where anyone can easily use them. You might be helping thieves with the very tools they need for their operation. Don't as well let your tools litter around. Thieves will have an easier time breaking into a home that offers them such opportunities. Keep them away safely and you'll not increase your rate.

3. It's more expensive and very unnecessary to insure the land on which your house is built. People do this without knowing. Insuring your home for the purchased price without deducting the cost of the land it stands on is a big mistake.

For folks who have ignorantly done this, call your agent and go through your home insurance coverage again. Subtract the value of your land and use only the cost of your home and its contents.

Your homeowners insurance rate will be more affordable and you'll still have sufficient coverage if you do this right. Since insurance is for things that can be lost or damaged, insuring the land which can neither get lost or damaged isn't a smart move.

4. Choosing to pay your rates on a monthly basis leads to higher premiums than you would pay if you decide to pay yearly. A strong reason for this is the cost an insurer incurs for posting you twelve bills instead of just one yearlly.

As if that was NOT enough expense, each check they get attracts a transaction fees as well. 12 checks mean 12 transactions which incur 12 different transaction charges. These and other costs so incurred by your insurer are eventually passed over to you, the policy holder..

Therefore opt for annual payments instead if you intend to make savings this way. You could save up to a month's premium in just a single year.

5. Let your insurer 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 premiums you'll also save yourself a lot of time and avoidable stress.

6. You can lower your home insurance premium by asking for and comparing quotes from at least five reputable insurance quotes sites.

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