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Affordable Homeowner Insurance - 5 Tips That Will Bring Your Rate Down

Published Wednesday, September 3, 2008 by bloggerblognet84084 | E-mail this post

There are a lot of ways to more affordable but adequate coverage. But while many of them might save you some money, they could leave you with insufficient coverage. This is, nevertheless, not the case with the options I'll give you in this write-up as you'll save while you maintain sufficient coverage. Here they are...

1. A home without fire escapes is NOT quite as safe as a home should be. Does yours have them? If you do then tell your agent and see what discounts this will get you. Even with simple rope ladders for the upper rooms, you still could obtain some discounts. Make sure you have a fire escape except you do not want to benefit from this savings opportunity. In order to guarantee savings, find out from your agent what your home insurance provider counts as a standard fire escape.

2. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get cheaper home insurance premiums. Your house becomes a no-go area for thieves as they'll be spotted easily. The risk of burglary is a strong factor in checking a home's risk to an insurance company and, consequently, your rate.

3. A home with a swimming pool is something everyone loves. But do you know that it increases your rates considerably especially if you don't take adequate safety measures?

Even though you will get more expensive rates if you have a swimming pool, you can reduce what you'll pay by having a fence around it or implement other safety precautions. If you do not, your home insurance rates will be substantially higher.

4. You will spend less if you take reasonable steps to reinforce your roof. This is very true if you reside in the East where high winds are a major threat. Your agent should be able to outline things you can do if you a discount this way. Fitting heavier shingles is a possible way to do it.

5. Make out some time to visit a minimum of 5 insurance quotes sites that return quotes on home insurance policies. This will take you around 25 minutes. While you visit each quotes site, make sure you input the same information. Doing otherwise will give you misleading quotes. When you've obtained your home insurance quotes, compare them to see which serves your interest best in price/value.

Here are recommended pages for home insurance quotes...

InsureMe Home Insurance Quotes

Home Insurance Quotes

Chimezirim Odimba writes on insurance.

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