Homeowners Insurance -- Ways To Get Massive Discounts

Are you committed to cutting down your home insurance costs by saving on your premium dollars? Then you've come to the the article you need. I'll discuss many time-tested tips that will make the difference. Furthermore, the tips I'll give to you will NOT compel you to make do with inadequate coverage all in the name of attracting discounts. Here they are...

1. Using the same insurance carrier for more than one policy will get you discounts. This makes you eligible for a multi-policy discount. Even though you'll get discounts for purchasing multiple policies from the same insurance company, you may make more by purchasing each of your policy from different insurance companies.

2. You reduce your homeowners insurance premium by taking steps that will make your home more disaster-proof. Apart from ensuring you have everything in place to prevent fire and burglary, the following will help for different areas...

a. You will get better protection from wind damage if you fit a storm shutter.

b. You'll also fare better in windy areas if you use heavier roofing material.

If your area is prone to earthquakes, ensure that you retrofit you home.

d. Dry limbs on trees could easily cause damages. Therefore, ensure that you cut off all dry or dead limbs on trees on your property.

e. Make sure you don't have tree branches over your roof or very close to your building. You will run a higher risk of a branch falling off and destroying your roof. Depending on your roofing material, this could also reduce its durability.

If want other ways to make your home more disaster-proof, consult your agent.

Also find out the cost-effectiveness of each advice you receive. You'll pay far less on your home owner insurance if you work with these.

3. Make sure you do NOT fail to subtract the land's cost from the home's cost while applying for an homeowners insurance policy. Folks do this without knowing. You have made same mistake if you insured your house for the price you purchased it without checking the cost of the land it's built on and deducting it.

For folks who've mistakenly done this, call your agent and go through your homeowners' insurance coverage again. Lower your coverage to the cost of your house and its contents minus the worth of the land.

This means you'll pay far less on home insurance. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be lost or destroyed and your land is not one of such.

4. You pay less if you take measures to improve the quality and strength of your roof. This is very true if you live in the East where high winds are a major threat. You can get recommendations from your agent on how you can strengthen your roof and get discounts as a result. Adding heavier shingles is a possible way of doing it.

5. You may be spending much more if you have a government home owner insurance policy. Certain areas used to find it difficult to get home insurance coverage. Then it was only the government's policy that was available to them. But this has changed in some areas as some private insurance companies have braved it and devised a way of offering insurance to such areas.

Yes, government home insurance may still be your best option depending on where you reside. But for folks whose areas are now serviced by private insurance companies, you can expect to pay cheaper rates than you would with government agencies.

6. You might save some hundreds of dollars by just receiving and comparing quotes from at least five insurance quotes sites. And, it will take just about 25 minutes on the whole.

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