[ Ссылка ] Get 48 practical ways to reduce your home insurance rates in this video (Home Insurance Savings Tips -- Guaranteed Steps To Very Cheap Homeowners Insurance Rates). [ Ссылка ]
Tip #1...
Don't insure the land
It's more expensive and unnecessary to insure the land on which your house is standing.
A good number of folks pay much more than they should on home insurance due to this type of mistake.
You've made the same mistake if you insured your home for the price you bought it without checking the cost of the land it is standing on and subtracting it.
If you made this mistake, meet with your agent quickly and check through your coverage.
Deduct the cost of the land and you will discover that you'll need far less coverage.
Your premium will be less and you'll still have enough coverage if you do this right.
Since insurance is for things that you can't afford to lose, insuring the land which can neither be lost nor damaged isn't smart.
Tip #2...
Maintain an excellent credit rating
Your credit score will make you pay more or less.
Therefore, it is a wise decision to pay all your bills on time.
Apart from the other benefits in doing so, it will help you get cheaper homeowners insurance rates
Tip #3...
Pay yearly and NOT monthly
Electing to pay your premiums monthly results in more expensive rates compared to what you get to pay if you choose to pay annually.
You will get considerable savings if you choose to pay annually.
What you'll save could be as high as 8.5% of your total monthly payments over the course of just one year.
Tip #4...
Ensure a fire-safe exterior
A fire-safe home exterior will help bring down your rate.
You'll be doing the right thing if you don't have anything that is flammable close to your home.
Even though cutting bushes around your house looks simple...
...You will get lower premiums if you do keep them at a distance of at least 10 feet from your structures.
The likelihood of a fire in a house is a very strong factor that determines your home insurance rate.
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Tip #5...
Install motion-sensitive lighting
You'll pay less if you've got motion-sensitive lighting on your property.
Your home becomes a no-go area for thieves as they'll be noticed easily.
Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, consequently, your premiums.
Tip #6...
Get dead-bolt locks on exterior doors
Dead-bolt locks on all your exterior doors will help you get a more affordable rate.
This makes it hard for intruders or burglars to have their way.
And because a home's risk of burglary is a strong factor in calculating your home insurance premiums, you'll pay far less.
Tip #7...
Window locks help too
In the same way, having window locks on all your windows will help reduce your home's risk of burglary.
You can take this to another level by building in burglary-proof bars on them all.
If you are not opposed to this kind of measure, have them fitted in your home and enjoy more affordable rates.
Tip #8...
Get monitored fire and security systems
Fixing special security and fire systems that are monitored 24/7 is a wise step.
Apart from the peace of mind you'll have in knowing your home is always been watched by competent professionals...
You will get cheaper home insurance rates.
Even though the discount this will get you will differ from one insurance company to another...
...You can expect to bring down your home insurance rate by as much as 25%.
Tip #9...
Install smoke and fire detectors
Smoke and fire detectors will help you lower your home's fire risk.
If you have them in all the right areas in your home, you'll get a discount.
The reason for this reduction in your rates is that such detectors make it a lot easier for fires to be put out before they can cause any damage.
And since the risk of fire in a house is a big factor in calculating home insurance premiums, you'll get lower rates by taking this step.
Tip #10...
Don't ignore fire extinguishers
Ensure you have fire extinguishers in your home -- At very strategic points or near all fire sources.
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