Contrary to all you might have come to expect, you don't really have to do very great things in order to enjoy the most affordable policy that meets your needs. Just understanding a few compulsory things and doing them will make a huge difference. Following are a good number of things that will bring you closer to the goal...
1. You'll also get a discount if you have motion-sensitive lighting in your home. Burglars will keep off from places where their activities will be easily observed. And motion-sensitive lighting does this exactly. The risk of burglary is a strong factor in determining a home's risk to an insurer and, consequently, your premium.
2. Do your best to NOT leave your ladders within everybody's reach. You might be providing thieves with the very equipment they need for their operation. Do not also abandon your tools, machinery or things like that on the lawn or wherever in the open as they could lead to accidental injury and increase your liability claims. They also make breaking and entry much easier for thieves. Keeping these things properly will save you many heartaches along with lower premiums.
3. It is 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. Insuring your home for the full price you bought it without subtracting the the land's cost is a big mistake.
If you made this mistake quickly call your agent and check through your home insurance policy. Lower your coverage to the cost of your house and its contents minus the worth of the land.
Doing this will reduce your Connecticut home owner insurance rates considerably and still leave with enough home insurance coverage. Do not ever forget that insuring the land your home is built on is plain waste of money because it does you no good whatsoever.
4. You'll pay lower premiums if you choose to pay your Connecticut home owner insurance rates annually and not every month. Your insurer sends 12 notices for monthly payments instead of one for yearly payments. This costs them more.
Furthermore, each check they get attracts a transaction charge as well. They pay transaction charges twelve times instead of once yearly for monthly payments. And, if you really come to think of it, these extra costs are ultimately added to your rates.
You will make considerable savings if you start paying annually. What you'll save could be as high as 8.5% of your total monthly premiums over the course of just one year.
5. Let your insurer be paid your premiums automatically and you will be given a good discount. Just let your bank know that you want an EFT (Electronic Fund Transfer) in favor of your insurance provider. This is strongly advised because of its convenience and the fact that it gets you a discount.
6. As you do these other things to cut down your home insurance costs, here's something you can do to start enjoying lower rates today. Visit trusted insurance quotes sites and request for quotes. Visit at least five of such for the best results. It's free, quick and easy.
Make sure you give your correct details as you fill the questionnaires presented. All you have to do next is just pick the insurance company that gives you the best price/value from the quotes return.
Get your quotes now from these highly recommended sites...
Get and compare quotes and save hundreds of dollars
Save Big. Get Your Quotes Now!
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment