Cheap Home Owner Insurance -- Six Sure-Fire Steps To Massive Discounts

You don't need to do difficult things in most cases in order to lower your home insurance rates. It's usually overlooked things that help you get massive discounts. Here are several tips that will help you achieve that goal...

1. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, helps you get cheaper home insurance home owner insurance rates. Burglars will keep off from places where their movement will be easily spotted. And motion-sensitive lighting does just that. Your home owners insurance rate will be lower you'd have reduced your home's risk of burglary with such lighting.

2. Do NOT leave ladders in places where anybody can easily pick them. They might really aid a burglar. Do NOT also let your tools litter around. They as well make breaking and entry a lot easier for thieves. All such things will ultimately increase premium if you don't keep them in the right place.

3. It's more expensive and very unnecessary to insure the land on which your home is built. People who ignorantly do this pay for more insurance than would be of any benefit. Insuring your home for the full price you bought it without subtracting the value of the land it stands on is an expensive error.

For those who've ignorantly done this, call your agent and go through your home insurance coverage again. Subtract the price of the land and you'll realize that you'll need far less coverage.

Doing this will reduce your home owner insurance rates by a huge margin and still have enough home insurance coverage. Bearing in mind that insurance is for things that can be lost or damaged, insuring the land which can neither be lost or damaged isn't a smart move.

4. Making your premium payments once every year will save you a lot when compared to monthly payments. Your insurance carrier is compelled to send you 12 notices for monthly payments as against one for yearly payments. This increases their overhead.

If you add to the fact that each check you make out is considered a transaction by their bankers, you will see that they still spend some more on transaction fees for each check you pay in. 12 checks mean 12 transactions which mean 12 separate transaction charges. These and other costs so incurred by your insurer are eventually paid by you, the insured..

Therefore choose annual payments instead if you want to make savings through this means. The actual amount you could save may differ but expect to save up to a month's premium worth with most insurers if you choose this option.

5. Let your insurance provider be paid your premiums automatically and you will be given a considerable discount. All you have to do is to advise your bank or credit card company to send your premiums at certain periods automatically until told otherwise. Apart from being more convenient, you'll get a discount for this.

6. Make out some time to visit a minimum of 5 insurance quotes sites that offer quotes on home insurance policies. This should require not more than 25 minutes. As you visit each site, make sure you input the same details. Doing otherwise will give you misleading results. When you've obtained your home insurance quotes, compare them to see which serves your interest best both in price and value.

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