Cheap Home Insurance -- 6 Proven Ways To Massive Discounts

You don't need to do difficult things in most cases in order to bring down your homeowner insurance rates. It's usually small things that result in massive savings. Following are a good number of things that will bring you closer to the goal...

1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get cheaper home insurance homeowners' insurance rates. Your house becomes a no-go area for thieves as they'll be spotted easily. The risk of burglary is a strong factor in determining a home's risk to an insurer and, consequently, your premium.

2. Ensure you do NOT leave ladders hanging just anywhere. They could really attract a burglar. Don't also let your tools litter around. Like ladders, tools and such could help a burglar in breaking into your house. Keeping these things properly will save you a lot of heartaches along with lower premiums.

3. It is more expensive and needless to insure the land on which your home is standing. Those who ignorantly do this pay for more insurance than would do them any good. You've made same mistake if you insured your house for the price you bought it without checking the cost of the land it is built on and subtracting it.

If you made such a mistake, you'll have to review your home insurance coverage and go through it again with your agent. Lower your coverage to the cost of your home and its contents minus the worth of the land.

With such a review you will reduce your homeowners insurance rates by a huge margin and still leave with adequate home insurance coverage. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or destroyed and your land is not one of such.

4. You will pay lower home insurance rates if you elect to pay your premiums yearly and not monthly. Your insurer sends 12 notices for monthly payments instead of one for annual payments. This costs them more.

If you include the fact that each check you make out is seen as a transaction by their bankers, you'll see that they still pay extra on transaction charges for each check you pay in. They pay transaction fees 12 times instead of once anually for monthly payments. And as with everything else, it's you the client or policy holder who bears that cost.

Therefore opt for annual payments instead if you want to make savings through this means. What you'll save could be as much as 8.5% of your total monthly premiumss over the course of just a year.

5. Let your insurer be paid your premiums automatically and you will get you a good discount. If you don't know how to do this, ask your banker or agent. In addition to saving you in premiums you'll also save yourself a lot of time and hassles.

6. You can get cheaper rates on home insurance now by visiting at least five quotes sites. Each site will require around 5 minutes or less to request quotes. (Some people give information that is not quite correct about themselves. That isn't smart as the quotes you'll get this way won't be of any use to you). You'll have to choose the best home insurance quote for you from the list of quotes you've obtained. It's as simple as that. But you could make savings hundreds of dollars.

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