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Home Insurance Policy - Getting Yours For A Lot Less

Published Saturday, September 6, 2008 by bloggerblognet4542 | E-mail this post

Home insurance policy: With the right tips you'll get more affordable rates for sufficient coverage. It's also important that I point out that there are recommendations that might put you at risk even if they save you at the moment. I will, nevertheless, only give tips that will help you save much while you still maintain the right coverage...

1. Having a smoker in your household will increase your rates substantially. And statistics have it that over 23,000 residential fires every year could be linked to smoking. You will spend less in home insurance if no member of your household smokes. If you stop smoking successfully for over 12 months, let your agent know it and demand for a well-deserved discount.

What if your insurance company refuses to grant you discounts because some insurers do NOT have non-smokers discounts? Then it's time to shop for an insurance company who does unless you get something else to make your continued stay with such an insurance company worthwhile.

2. A home that has shatter-proof windows will make it easier for you to get cheaper premiums. Therefore, replace your old windows with these more so if you reside in places that are prone to high winds and hail storms. Always remember to keep your agent informed whenever you take a step like this. I advice that you speak with your agent even before you start the changes as he or she might make inputs that will bring in more savings.

3. Because of gas and oils, your motor garage is a big fire risk. So your home insurance rates will be cheaper if your garage is detached and at a safe distance from your residential structure.

4. Folks seem to take more preventative measures against fire than water damage by not checking their plumbing and upgrading as often as they should. The fact that the most common type of claim on a homeowner's insurance policy is water damage should tell you something. Consequently, proving to any insurance carrier that your home has little or no risk of water damage will result in a good discount. Tell your agent if you've improved your plumbing.

5. Your home's risk perception is strongly affected by your claims records. If you make claims for every little thing, your home will soon be assessed as a much higher risk than another similar house where the owner files fewer claims. Once an insurance carrier sees you as a higher risk, you get more expensive rates.

You're, therefore, encouraged to NOT file claims for very little things that won't actually cost you a lot if you handle them on your own. This will help keep your rate affordable.

6. While you take these other steps to lower your home insurance rates, here's something you can do to get lower rates today. Visit trusted quotes sites and obtain quotes. Visit not less than five of such sites for the best results. It's free, quick and easy. Make sure you give your correct details as you fill the forms on each site. All you have to do next is simply choose the insurer that represents the best price/value from the quotes return.

Here are recommended pages for home insurance quotes...

InsureMe Home Insurance Quotes

Home Insurance Quotes

Chimezirim Odimba writes on insurance.

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