Affordable Home Owner Insurance Quote -- 6 Ways To Attract Big Discounts

Are you positive you seriously want more affordable home owner insurance rates? If answered "Yes" you need to do all within your reach to discover as many steps as there are to cheaper rates. Here are several tips that will help you bring down your rate by up to 50% if you apply them the right way...

1. Fix smoke and fire detectors. If you install them in all the essential parts of your house you'll enjoy a discount. If you have them, do NOT forget to replace their batteries twice yearly.

Detectors mean fires are quickly spotted and put out before much damage is done. Don't forget that anything that lowers the likelihood of a fire in your house reduces your homeowners insurance rate.

2. Get a group home insurance policy if you can because you'll attract a lower rate with it. Some associations have also arranged discounts for their members with home insurance carriers so ask if yours has such.

I will, nevertheless, advise that you still get and compare quotes from other insurers that your association may have no affiliations with. This is because you may end up finding an insurer that is willing to take less than you will even obtain with an association's discount. Doing extensive shopping will enable you get the cheapest rates.

3. Install special fire and security gadgets that alert fire stations, police stations or other monitoring center. Not only will you enjoy a huge discount, you will also feel safer once you remember that your house is always monitored. This can bring down your rate by more than 25% depending on your insurance provider.

4. Do you have locks on each of your windows? If you do NOT you will be paying more because of that. You can take this to another level by fixing burglary-proof bars on all your windows. If you're not one of those people who have a deep hatred for such, they'll get you reasonable discounts. If you have nothing against this have them fitted in your home and get cheaper rates.

5. Make the exterior of your house fire-safe and you'll bring down your home insurance premium. Having things that are quite inflammable or that help combustion around your dwelling will make you pay more expensive premiums. Bushes near your house should be cut and maintained at not less than 10 feet from your structure. The risk of a fire in a house is a very strong factor that influences your home insurance premium.

6. You will save more by visiting a minimum of 5 home insurance quotes sites. If you do this, you'll be able to get the lowest home owners insurance quotes available because five sites will give up to 25 quotes altogether.

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