1.
People who've installed some security systems get lower homeowners insurance rates.
Dead-bolt locks and burglar alarms may attract discounts of close to five percent.
With the installation of special security devices you may be given discounts of up to 20 percent from some insurers.
However, the systems have to be recommended by the insurer for them to qualify for such discounts.
If you consider how costly those advanced security devices are, the discounts you get for installing them may not really be worth it.
2.
Quit smoking if you want to bring down your home insurance rates.
Your premium will be lowered if every smoker in your home quits.
Statistics indicate that around 23,000 residential fires result from smoking.
Discounts to non-smoking households aren't offered by every insurance company.
3.
If you're retired, you have qualified for discounts in home insurance with some providers.
You can count on retired persons to spot fires easily and maintain their homes better since they're normally around.
4.
Associations could arrange discounts for members.
Check if such has been arranged for any association you're part of There could be some discounts you could take advantage of.
But note that you may get lower rates with another insurer notwithstanding the rebates negotiated by your association depending on your peculiar requirements and profile.
The only way you can say for sure which is better for you is by getting and looking through quotes from as many different insurance companies as make sense.
You find out the overall best price/value that way.
5.
You will get discounts if you remain with an insurance company for over three years.
The rebates given normally increases with the length of time you remain a policyholder.
But do note that the concession you get for staying with the same insurer could become insignificant if you compare it with the savings you might get by switching.
Finding out which serves you best is really easy.
Just get new quotes from other insurers and then see if what you are given as rebate for remaining loyal to your insurance company is more than what you'll be given for switching.
6.
Study your coverage limits each time there are changes in your home, its contents or, routinely twice annually.
This isn't really to get savings but to help you find out if your policy limits are adequate.
As much as it's important for you to have adequate coverage, too much coverage isn't advisable either.
You need to know if that valuable hand-woven rug is still worth the $25,000 you insured or something dramatically different.
This exercise may indicate that you have to increase your coverage but it could similarly indicate that you have more than you need and therefore result in savings as you adjust to the right coverage limit for the time.
7.
While you take other steps to bring down your home insurance costs, here's what to do to start enjoying lower rates now.
Visit reputable quotes sites and obtain quotes.
Visit at least three of such sites for the best results.
It's free, quick and easy.
Please make certain you give your correct details as you complete the forms presented.
The last step is to simply pick the company that represents the best price/value from the quotes returned.
People who've installed some security systems get lower homeowners insurance rates.
Dead-bolt locks and burglar alarms may attract discounts of close to five percent.
With the installation of special security devices you may be given discounts of up to 20 percent from some insurers.
However, the systems have to be recommended by the insurer for them to qualify for such discounts.
If you consider how costly those advanced security devices are, the discounts you get for installing them may not really be worth it.
2.
Quit smoking if you want to bring down your home insurance rates.
Your premium will be lowered if every smoker in your home quits.
Statistics indicate that around 23,000 residential fires result from smoking.
Discounts to non-smoking households aren't offered by every insurance company.
3.
If you're retired, you have qualified for discounts in home insurance with some providers.
You can count on retired persons to spot fires easily and maintain their homes better since they're normally around.
4.
Associations could arrange discounts for members.
Check if such has been arranged for any association you're part of There could be some discounts you could take advantage of.
But note that you may get lower rates with another insurer notwithstanding the rebates negotiated by your association depending on your peculiar requirements and profile.
The only way you can say for sure which is better for you is by getting and looking through quotes from as many different insurance companies as make sense.
You find out the overall best price/value that way.
5.
You will get discounts if you remain with an insurance company for over three years.
The rebates given normally increases with the length of time you remain a policyholder.
But do note that the concession you get for staying with the same insurer could become insignificant if you compare it with the savings you might get by switching.
Finding out which serves you best is really easy.
Just get new quotes from other insurers and then see if what you are given as rebate for remaining loyal to your insurance company is more than what you'll be given for switching.
6.
Study your coverage limits each time there are changes in your home, its contents or, routinely twice annually.
This isn't really to get savings but to help you find out if your policy limits are adequate.
As much as it's important for you to have adequate coverage, too much coverage isn't advisable either.
You need to know if that valuable hand-woven rug is still worth the $25,000 you insured or something dramatically different.
This exercise may indicate that you have to increase your coverage but it could similarly indicate that you have more than you need and therefore result in savings as you adjust to the right coverage limit for the time.
7.
While you take other steps to bring down your home insurance costs, here's what to do to start enjoying lower rates now.
Visit reputable quotes sites and obtain quotes.
Visit at least three of such sites for the best results.
It's free, quick and easy.
Please make certain you give your correct details as you complete the forms presented.
The last step is to simply pick the company that represents the best price/value from the quotes returned.
Source...