Home Owner Insurance -- For Those Who Want More Affordable Rates

Are you committed to slashing your home owners insurance costs by reducing your insurance premium? Then you're reading the right article. I'll reveal several time-tested recommendations that will make the difference. And this will be without compromising the level of coverage you enjoy. Here are the tips...

1. You'll save if you get all your policies from the same insurance company. Insurers give discounts (multi-policy discounts) for policyholders who purchase more one policy from them. But you might make more savings with different insurance carriers than you'll make from a multi-policy discount.

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2. You can make your house almost disaster proof thereby lowering your risk and, consequently, your home owners insurance premium. You can do this by taking all the necessary precautions against fire and burglary in addition to the following depending on where you live...

a. If you live in an area that's so susceptible to wind damage, you'll save more by having storm shutters.

b. Folks who live in areas that are prone to high winds will will be better protected if they use heavy roofing material. This in turn helps lower their rates.

If your area is prone to earthquakes, make sure you retrofit you home.

d. Dry limbs on trees could easily cause damages. Therefore, make sure you cut off all dry or dead limbs on trees on your property.

e. It is also recommended that you ensure no trees come to your building. You will run a bigger risk of a branch falling off and destroying your roof. It could also lower the durability of your roof depending on the material it is made of.

Your agent will tell you other things that you can do to ensure your home is a better risk to your insurer.

Also discover the cost-effectiveness of each advice you get. Use those that justify your expenses and you will get cheaper rates.

3. Make sure you do NOT forget to subtract the land's cost from your home's value as you apply for an homeowner insurance policy. People who ignorantly do this pay for more insurance than would do them any good. Insuring your home for the purchased price without deducting the value of the land it stands on is an expensive error.

If you did this quickly meet with your agent and re-evaluate your coverage. Lower your coverage to the worth of your home and its contents minus the cost of the land.

This implies that you'll spend a lot less on home insurance. Do not ever forget that insuring the land your house is standing on is plain waste of money since it does give you any added advantage.

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4. The level to which you strengthen your roof could get you a discount. This is particularly true if you live in the East where high winds are a major threat. You can get tips from your agent on how you can strengthen your roof and receive discounts as a result.

5. Keeping a government home insurance policy could be making you pay a lot more on home insurance than you would private companies. Natural disasters in some areas made it very difficult for those there to obtain home insurance coverage. Then it was only the government's policy that could buy. But this has changed in some areas as some private insurers have braved it and worked out a way of offering insurance to such areas.

Yes, government home owner insurance may still be your best option depending on where you reside. But for people whose areas are now serviced by private insurance companies, you can expect to pay cheaper premiums than you would with government agencies.

6. You will save a lot if you really have between 25-30 minutes. Visit, obtain and compare homeowner insurance quotes from several quotes sites. The cheapest quote should be what you go for easily. However, you have to look beyond simply the lowest quote to the best price/value. The cheapest may not be the best price/value for you as an individual.
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