Do you want to pay less? Then you must commit some time to understand the steps that you'd have to take to reach your goal. I've provided enough suggestions to help the greater majority make savings of more than 50% on their Connecticut home owner's insurance policy...
1. Fix smoke and fire detectors. You will attract cheaper Connecticut home owner insurance rates especially if you've fixed enough for your size and type of home.
The reason for this deduction in your premiums is that such detectors make it much easier for fires to be stopped before they can do any damage. And since the risk of fire in a home is a defining factor in calculating home insurance premiums, you will pay far less by taking this step.
2. A group policy gets you more affordable rates. You should be aware if your employer offers such. Some associations have also negotiated discounts for their members with home insurance carriers so find out if yours has such.
I will, nevertheless, advise that you still get and compare quotes from other insurance companies that your association may have no group discounts with. For many reasons you may be better off NOT buying from a particular group's insurer. There's stiff competition in the home insurance industry and you can benefit from this to get lower premiums if you spend some time to do thorough shopping and comparisons.
3. Get special fire and security systems that alert fire stations, police stations or other monitoring center. You will obtain huge discounts apart from the fact that you will feel safer that your house is being watched by trusted people. Even though the savings this will get you will differ from one insurer to another, you can expect to reduce your home insurance rate by as much as 25%.
4. Do you have locks on each of your windows? If you don't you will be paying more because of that. Look forward to get far cheaper Connecticut homeowner insurance rates if you've windows that have burglary-proof bars Even though most people don't like this because it makes them feel imprisoned in their own house, it really does lower your premium considerably. If you are not one of those people who insist that having such amounts to being imprisoned in their own home, have them fitted if you want to reduce your home insurance rates considerably.
5. Make the exterior of your home fire-safe and you'll reduce your home insurance premium. Having things that are highly inflammable or that aid combustion close to your building will make you pay higher rates. As simple as it seems, cutting back bushes and keeping them up to 10 feet from your building will help lower your rates. This is because how fire-safe a home is goes a long way in affecting what it will cost to insure that house.
6. You might save several hundreds of dollars by just getting and evaluating Connecticut homeowners' insurance quotes from at least five insurance quotes sites. And, it will require just a total of 25 minutes.
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