Affordable Homeowners Insurance Quotes
Homeowner’s insurance costs have been rising steadily. According to industry experts, it is the extraordinary number of catastrophes, the high cost of home repairs, the aging of the U.S. housing stock and the emergence of mold claims that are causing homeowners insurance rates to climb. Despite the rising costs there are still things you can do to reduce your premium.
Homeowners Insurance Rate Quotes
If you are in the market for a new home, check the cost of insuring the homes you are interested in. Even though the homes may look alike there, the premiums could vary significantly. Homeowner’s insurance premiums are affected by such things as: proximity to emergency services, age of the home’s systems (heating, electrical and plumbing), and the material the home is made out of. Additionally, flood insurance and earthquake damage are not covered by the standard homeowner’s policy. You will have to pay additional dollars for these policies.
Speaking of disasters, if you make your home more disaster resistant you could reduce your premiums. Check with your agent and see what specific improvements they give discounts for. Examples of disaster proofing are: adding storm shutters, reinforcing your roof, and retrofitting an older home to make it more capable of withstanding earthquakes. Also consider modernizing heating, plumbing and electrical systems to reduce the risk of fire and water damage.
If you install smoke detectors, burglar alarms or dead-bolt locks, you can usually get a five to ten percent discount. Some insurers may give as much as 15 to 20 percent discount for a sophisticated sprinkler system or an alarm system that rings the police. Always check with your insurer before making any of these improvements and find out which ones they will give discounts for and how much.
Insure only your home and not the land. Your land can’t really be damaged so there is no need to insure it. Only purchase enough insurance to cover the value of your home.
You can save anywhere from 5% to 15% if you purchase all your insurance policies from one insurance company. This called a multi-line discount. Also, if you stay with the same insurer for several years you could be eligible for a long-term policyholder discount. Some insurance companies will give you a 5% discount if you are with them for three to five years and a 10% discount if stay for six years or more.
If you increase your deductible (the amount of money you must pay before the insurance takes effect) to $1,000 from $500.00 you could save as much as 25% on your premium.
All these discounts could add up to some significant savings on your premiums and safer house to live in.
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Home Auto Discounts Are Often The Best Choice for Cheaper Home Insurance
Cheaper Home Insurance Starts with Home Auto Discounts
When I had to find a new homeowners insurance policy in a hurry, I still wanted to keep my premiums reasonable. As I compare homeowners insurance quotes, I did find huge price differences between top rated insurance companies! In fact, I was surprised by how large some of the differences were. But in fact, I did get the best price by getting good advice from my local insurance agent. That is because she found discounts that I qualified for, and those discounts made a huge difference.
*** Compare Home Auto Discounts From Local Insurance Agents ***
In fact, my insurance agent works with a top home and auto insurance company, but I will not give you the name because prices by insurance company vary by location and individual, and you need to compare homeowners insurance quotes for yourself. Besides, I’m pretty sure that her ability to advise me on the best insurance package made more of a difference then the particular brand name of the insurance company she represents.
Anyway, this company is well know, but not as one of the popular discount car insurance companies you see advertised on TV all the time. But when she took my information, found discounts for a home purchase and bundled it with my car insurance policy, I saved money on both auto and homeowners insurance.
The price that the insurance company gave me was about $240 a year cheaper for my auto insurance, without sacrificing any coverage. Furthermore, the homeowners quote came in about $200 a year cheaper then the next lower competitor. This would not have been true with just one policy, but because I got a big discount for combining insurance! Added up, that makes $440 in savings, which I should sock away towards the deductible of both policies in case I need to use them.
homeowners insurance, car insurance, auto insurance, discount insurance, cheap insurance, insurance agents
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Home Insurance and Dogs
Do Dogs Affect Homeowners and Renters Insurance Rates?
Dogs can matter when you are trying to find the best rates for homeowners insurance. Many people, who are aware that certain breeds of dogs, believe this is very unfair. However, the the rate premium is similar to a premium surcharge that insurance agents may assign to a young driver, or a person who drives an expensive sports car. Some dogs are expensive to insure because statistically, that breed has bene involved in more claims.
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Claims tend to occur when a dog bites. So dog breeds that have been involved in more homeowners insurance claims can add to an insurance premium. It doesn’t matter if your pit bull is a perfectly trained and well behaved angel. An individual dog’s history probably will never count in a homeowner’s favor, but of course if the dog does bit somebody, and a homeowner’s insurance company has to pay a claim, then that dog could count against them!
Click Here: Dog Breeds that Raise Homeowners Insurance Premiums
homeowners insurance premiums, dogs, pit bulls, home insurance
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