Home Owners Insurance -- For Folks Who Want More Affordable Rates

Are you committed to slashing your home insurance costs by saving on your premium dollars? Then you've come to the right article. I'll give you a lot of guaranteed tips that will make the difference. In addition, the tips I'll discuss will NOT force you to downgrade your coverage all because of getting discounts. Here are the tips...

1. You'll save if you buy all your policies from the same insurer. Insurance companies offer discounts (multi-policy discounts) for policyholders who buy multiple policies from them. But you might save more with different insurers than you'll get from a multi-policy discount.

2. The more you strengthen your home to be less susceptible to disasters the cheaper your rates will be. You can make this happen by taking all the necessary precautions against fire and burglary in addition to the following depending on where you reside...

a. Storm shutters will give your home superior protection from wind damage.

b. Using a heavier roofing material will make your home more insurance friendly thereby allowing you save more on your home owner insurance premiums if you live in a windy area.

c. If you reside in a state where earthquakes are a threat, you'll get a discount if your home is retrofitted against earthquakes.

d. Cutting off dry branches on trees in your home will lower the likelihood of a branch falling off and causing injury and/or damage.

e. Ensure that you do not have tree branches with limbs above your roof or very close to your house. A tree can aid burglars and their branches can also fall off and destroy part of your structures. Furthermore, having these over your roof could seriously reduce its lifespan depending on the material employed.

If you're interested in other ways to make your home more disaster-proof, discuss with your agent.

It's also important to check if the discount you'll receive justifies the cost of implementing the advice. Applying these steps will help you reduce your homeowners insurance rates.

3. Do not insure your house along with the land it is built on as this is more expensive but needless. People who ignorantly do this are paying a lot more than would be of any benefit. You have made same mistake if you insured your house for the price you bought it without finding out the cost of the land it's standing on and subtracting it.

If you made such a mistake, you need to review your home owners insurance coverage and go through it again with your agent. Reduce your coverage to the worth of your home and its contents minus the worth of the land.

This means you will spend a lot less on home insurance. Always remember that insuring the land your home is built on is plain waste of money since it does you no good whatsoever.

4. You pay less if you take measures to improve the quality and strength of your roof. This is particularly true if you reside in the East where high winds are a serious threat. If you want to know how to strengthen your roof and get discounts for doing so, discuss with your agent.

5. Keeping a government home owners insurance policy could be making you spend much more on home insurance than you would otherwise. It used to be extremely tough to find insurance providers if you live in some high crime areas or places that were affected by particular natural disasters. The only remedy for such folks then was to go to a government agency that sold government home insurance. However, at the moment there are a number of private insurers who also give coverage for such regions.

Many may still have little or no other means of obtaining home insurance coverage apart from a government homeowners' insurance. However, this isn't generally the case as you may obtain better coverage at a lower price from some private insurance companies.

6. As you take other steps to bring down your home rates, here's what to do to receive lower rates today. Visit good quotes sites and request for quotes. Visit at least five of such sites for the best results. It's free, quick and easy. However, ensure you give your correct details as you fill the questionnaires presented. The last step is to simply choose the insurance company that gives you the best price/value from the quotes you receive.

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