Homeowners Insurance -- Implement These If You Intend To Get Discounts

It's easy to find very affordable quotes and pay far less for the right coverage the moment you know the steps to take. Go through this article if you want to join this elite group who are paying very low homeowners insurance rates while enjoying the right coverage...

1. Choosing to pay your premiums monthly leads to higher rates than you would pay if you decide to pay annually. This is because sending you twelve bills by mail monthly costs your insurance company much.

As if that was NOT enough expense, each check you send attracts a transaction charge as well. 12 checks are 12 transactions which attract 12 different transaction charges. And as with every other thing, it is you the end user or insured who bears that cost.

As a result, you will attract lower rates if you decide to pay your rates anually. The actual amount you could save may differ but you may be able to save up to a month's premium worth with some insurance companies if you settle for this option.

2. Motion-sensitive lighting lowers your home's risk of burglary and, as a result, makes it easier for you to get lower home insurance premiums. Your home becomes less attractive to thieves because they'll be noticed easily. The risk of burglary is a strong factor in checking a home's risk to an insurer and, consequently, your premium.

3. You'll enjoy more affordable homeowners insurance rates if you use the right materials. For example, brick houses are best in regions with high winds while frame buildings are better in earthquake zones. This means that people who live in the East will make huge savings if theirs is a frame home. For people who live in the West, they'll pay more if they own a brick home. Expect to save at least 5% if you opt for a house with the right material.

4. You will attract considerable discounts if you fix a sprinkler system. This is so because a sprinkler system is good for putting off fires. It's slightly costly so you'll do well to ask your agent what you'll save if you have this installed.

5. It's more expensive and very unnecessary to insure the land on which your house is built. People who ignorantly do this pay for more insurance than would do them any good. They just insure their house for its complete value without subtracting the cost of the land.

If you did such ignorantly, you'll have to re-evaluate your home insurance coverage and check it again with your agent. Subtract the value of the land and you'll realize that you will need far less coverage.

Your premium will be cheaper and you'll still have adequate coverage if you do this right. Bear it in mind that insuring the land your home is standing on is real waste of money since it does you no good whatsoever.

6. You can save much money in home insurance if you get and compare home insurance quotes from insurance quotes sites. You'll realize savings if you visit just one of such sites. But keep this in mind, you will get better results by using at least five. The simple logic in this is that you will receive many more home insurance quotes from many more insurance companies. This increases your chances of receiving better rates.

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