How far have you gone in ensuring you attract the lowest Connecticut home owner insurance rates? Did you just stop at the few recommendations you got years ago? Are you really sure you've looked at all the ways there are to save considerably? I have some more time-tested tips here...
1. Ensure you have fire extinguishers in your house at very strategic points or near all fire sources. If you don't have any other place, make sure your kitchen has one. And make sure it is such that is adequate for the kitchen in question.
And, always remember that you must keep them within easy reach. Doing this will help you reduce your premiums.
2. Do routine maintenance of your home if you intend to lower rates. Take care of those dead tree limbs on your property. What would happen if any of them falls off at the wrong moment? Such a good maintenance routine would reduce your home insurance premium.
3. It's more expensive and very unnecessary to insure the land on which your house is standing. People who ignorantly do this pay for more insurance than would do them any good. You have made same mistake if you insured your house for the cost you purchased it without finding out the cost of the land it is standing on and deducting it.
For those who've ignorantly done this, call your agent and go through your Connecticut homeowners' insurance coverage again. Deduct the value of the land and you'll discover that you will need far less coverage.
Doing this will lower your premiums by a huge margin and still leave with adequate home insurance coverage. Bear it in mind that insuring the land your house is built on is plain waste of money because it does give you any added advantage.
4. Everyone loves to own a beautiful swimming pool. Nevertheless, it will increase your rates considerably especially if you do not have a fence round it.
While I won't tell you to NOT have a swimming pool around your home, ensure that you take all necessary safety precautions. Doing otherwise will make you pay much higher premiums.
5. Make out some time to visit at least 5 insurance quotes sites that return quotes on home insurance policies. It should take you around 25 minutes.
While you visit each quotes site, make sure you give the same information. Doing otherwise will return misleading results. After you've obtained your home insurance quotes, compare them to determine which serves your interest best in price/value.
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