Home owners Insurance -- The Following Will Get You Sufficient Coverage For Far Less

It is NOT difficult to get very cheap quotes and pay far less for the right coverage the moment you discover what to do. This write-up will show you things you can do if you want to attract cheap homeowner insurance rates without downgrading the quality of coverage you enjoy...

1. You'll pay more affordable rates if you choose to pay your premiums annually and not every month. This is because sending you 12 bills by mail each month costs your insurance company a lot.

If you add to the fact that each check you send is considered a transaction by their bankers, you'll see that they still spend some more on transaction fees for each check you pay in. 12 checks mean 12 transactions which attract 12 different transaction charges. These and other charges so incurred by your insurance company are eventually borne by you, the insured..

So, you'll attract cheaper premiums if you opt to pay your rates anually. The real amount you could save might differ but you may be able to save up to a month's premium worth with most insurers if you settle for this option.

2. You will as well enjoy a discount if you have motion-sensitive lighting on your property. Burglars will keep off from places where their movement will be easily observed. And motion-sensitive lighting does this exactly. Because thieves avoid homes with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

3. You'll get more affordable homeowner insurance rates if your home is built with the right materials. For example, brick houses are best in states with high winds while frame buildings are preferred in earthquake regions. So buying a frame home in the East will surely cost you a lot more in home insurance. For those who stay in the West, they'll pay more if they have a brick home. Expect to save at least 5% if you choose a building with the preferred material.

4. You'll attract reasonable discounts if you install a sprinkler system. The reason for this is that a sprinkler system works well in putting off fires. Even though they're by no means affordable, they will get you considerable discounts.

5. Do not insure your home along with the land it is standing on as this will cost you more but quite unnecessary. Those who ignorantly do this pay for more insurance than would be of any benefit. They just insure their house for its complete value without subtracting the land's cost.

For those who have ignorantly done this, call your agent and check your home insurance coverage again. Subtract the cost of the land and you will find out that you'll need far less coverage.

Your premium will be less and you'll still have enough coverage if you do this right. Bear it in mind that insuring the land your home is standing on is plain waste of money because it does you no good whatsoever.

6. While you do these other things to lower your home premium, here's what to do to start enjoying lower rates now. Visit good quotes sites and get quotes. Visit at least 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 questionnaires presented. Thereafter, simply pick the insurer that represents the best price/value from the quotes you receive.