Cheap Home Owners Insurance Quotes -- Six Ways To Attract Bigger Discounts

Are you positive you really want more affordable homeowners insurance rates? If answered "Yes" you need to do all within your ability to discover as many recommendations as as possible for cheaper rates. I've got enough suggestions to help most people make savings of more than 50% on their homeowner insurance policy...

1. Smoke and fire dectectors will will go a long way in lowering your home's fire risk. You'll enjoy cheaper homeowners' insurance premiums especially if you've fixed the right numbers for your size and type of home.

The reason for this reduction in your premiums is that such detectors make it a lot easier for fires to be stopped before they can do any damage. This gets you a lower rate because it implies that the risk of a fire damage is reduced.

2. A group home insurance policy gets you cheaper rates. Many associations have also arranged discounts for their members with home insurers so ask if yours has such.

I will, however, recommend that you still get and compare quotes from other insurers that your association may have no affiliations with. This is because you may end up getting an insurance company that is ready to take less than you'll even obtain with an association's discount. There's fierce competition in the home insurance industry and you can benefit from this to get lower rates if you take your time to do extensive shopping and comparisons.

3. There are fire and security that are monitored round the clock. You will obtain considerable discounts apart from the fact that you will feel more secure that your home is being watched by competent professionals. Although the savings this will get you will differ from one insurer to another, you can expect to bring down your home insurance rate by as high as 25%.

4. Having window locks on each of your windows will help lower your home's risk of burglary. You can take this to another level by building in burglary-proof bars on all your windows. Although some people don't like this because it makes them feel imprisoned in their own house, it really does lower your premium by a good amount. If you're not one of those people who claim that having such makes them feel imprisoned in their own home, have them fixed if you want to lower your home insurance premiums by a huge margin.

5. Make sure that the exterior of your house is fire-safe and your rate will be lower. Having things that are very inflammable or that help combustion around your building will make you pay more expensive rates. Bushes near your home should be cut and maintained at not less than 10 feet from your building. Fire-safety is a major factor that determines what you your rate will be.

6. You will save a lot if you do shop around and do proper comparison. The the difference in quotes presented per query could be as wide as $1,000 for a particular profile. While this is a good thing, it's important that you don't get too excited yet. It's not usually that easy if you're after the best price/value.

The lowest quote may not give you the best price/value. Although each of the quotes presented will definitely give you the same main coverage, there could be a number of differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes as their name implies. Don't feel obliged to pay until you've got all your questions answered satisfactorily. You will be spared rude shocks later if you do this.