Cheaper Homeowners' Insurance -- 6 Guaranteed Steps To Bigger Discounts

Contrary to all you might have been told, you don't really need to do very exceptional things in order to enjoy the most affordable policy that gives you sufficient coverage. It's usually little things that help you get massive savings. I'll take some time out here to explore some of those things...

1. You will get cheaper homeowners' insurance rates if you've got motion-sensitive lighting for your home's exterior. Burglars will keep off from places where their activities will be easily spotted. And motion-sensitive lighting does this precisely. The risk of burglary is a strong factor in checking a home's risk to an insurance company and, by extension, your rate.

2. Endeavor to NOT leave your ladders within everybody's reach. They could actually aid a burglar. Don't also let your tools litter around. Burglars will have an easier time breaking into a household that gives them such opportunities. Keep them away safely and you'll not increase your rate.

3. Don't insure your house along with the land it is built on as this is more expensive but quite unnecessary. People who ignorantly do this pay for more insurance than would be of any benefit. They just insure their home for its full value without deducting the cost of the land.

For those who've ignorantly done this, call your agent and go through your home insurance coverage again. Deduct the land's cost and you will discover that you will need far less coverage.

Doing this will lower your premiums by a huge margin and still have enough home insurance coverage. Don't ever forget that insuring the land your home is standing on is plain waste of money because it does you no good whatsoever.

4. Yearly premium payments will save you a lot when compared to monthly payments. This is because sending you twelve bills by mail monthly costs your insurance company much.

As if that was NOT enough expense, each check they get attracts a transaction fees as well. 12 checks mean Twelve transactions and will attract 12 separate fees.. These and other costs so incurred by your insurer are eventually borne by you, the policy holder..

You will make reasonable savings if you start paying annually. You could save up to a month's premium within a year.

5. Set up your account to pay your premiums automatically and you'll enjoy lower homeowner insurance rates for that. If you don't know how to do this, ask your bank or agent. Apart from being easier, you will be given a discount for this.

6. You will save more by visiting a minimum of 5 home insurance quotes sites. If you do this, you'll make it most likely that you'll get all the lowest quotes possible since five sites will return up to 25 quotes altogether.

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