Cheaper Homeowners Insurance Rates -- Great Tips To Pay A Lot Less

With the right recommendations you'll pay a lot less for sufficient coverage. However, if you get the wrong advice, although you may still make huge savings, it will be by downgrading the level of coverage you get. Here are some proven ways to get cheaper rates without putting yourself at risk...

1. Make the exterior of your house fire-safe and you'll bring down your homeowners insurance premium. Having things that are quite inflammable or that help combustion around your building will make you pay more expensive premiums. Bushes near your house should be cut and maintained at a distance of at least ten feet from your structure. The risk of a fire in a home is one very strong issue that determines your home owner insurance rate.

2. You'll as well get a discount if you have motion-sensitive lighting in your home. Burglars will avoid any place where their activities will be easily noticed. And motion-sensitive lighting does this precisely. Since thieves keep off from houses with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

3. Dead-bolt locks on every door to the exterior will help you get a lower rate. It's more difficult for thieves to break into homes that have these locks. The more protected your home is against burglary, the lower the risk involved in insuring it.

4. You can get lower rates on homeowner insurance today by visiting a minimum of five quotes sites. Each quotes site will require about 5 minutes or less to request quotes. (Some folks give details that are not really correct about themselves. That is NOT smart as the quotes you'll get this way won't do you any good). You'll simply choose the best home owners insurance quote for you from the list of quotes obtained. That's all there is to it. Nevertheless you could easily save hundreds of dollars.

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