Affordable Homeowners Insurance Rates -- Simple Tips To Pay A Lot Less

With the right advice you'll get cheaper home owner insurance rates for sufficient coverage. But also bear in mind that you could save if you get the wrong tips. The only difference is that you will be compromised in the quality of coverage you get. Here are some sure ways to get cheaper rates without putting yourself at risk...

1. A fire-safe home exterior will help reduce your rates. You'll be doing the right thing if you ensure there's nothing that's inflammable around your home. Bushes around your house should be cut and maintained at not less than 10 feet from your building. The risk of a fire in a home is a very strong factor that influences your homeowners insurance premium.

2. You will get cheaper rates if you have motion-sensitive lighting on your property. Your house becomes a no-go area for thieves because they'll be noticed easily. Because thieves keep off from homes with such lighting, you reduce your home's risk of burglary and, by extension, your premiums.

3. Dead-bolt locks on all your exterior doors will help you attract a cheaper rate. This makes it hard for intruders or burglars to break in. And because a home's risk of burglary is a major determinant of home owner insurance rates, you'll spend far less.

4. You will save a lot if you can shop around and do thorough comparison. The range of quotes returned for a query could be as wide as $1,000 for a given profile. Although this is a good thing, it's advisable that you don't get too excited yet. It's not normally that straightforward if you're after the best price/value. The cheapest price may not offer you the best price/value. Although each of the quotes presented will certainly give you the same main coverage, there could be a lot of differences in the details of coverage. This makes it imperative that you find out if there aren't any exclusions that won't serve your best interest. Don't forget to treat these no-obligation quotes as their name implies. Don't feel you have to pay until you've got all your questions answered to your satisfaction. You will never get rude shocks down the road if you do this.

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