Monday, September 21, 2009

Homeowner Insurance -- Don't Miss These If You Love Lower Rates


Are you interested in proven steps to get cheap home insurance rates for coverage that won't compromise you? Then read through and apply the following well-proven time-tested tips for paying a lot less...

1. Do you have locks on each of your windows? If you don't you'll be spending more because of that. You will save even a lot more if you go one step more to get burglary-proof bars fixed on every window. If you're not one of those folks who feel so uncomfortable with these kind of fittings, they'll help you get considerable discounts. If you are not opposed to this have them fitted in your home and enjoy lower rates.

2. Have special fire and security gadgets that alert fire stations, police stations or other monitoring center. Apart from the peace of mind you'll have in knowing your home is under constant surveillance by competent professionals, you will get lower homeowners insurance premiums. Although the discount this will attract will differ from one insurance company to another, you can expect to reduce your homeowners insurance premium by as much as 25%.

3. Install smoke and fire detectors. You'll attract cheaper rates especially if you have installed the right numbers for your size and type of home.

Detectors mean fires are easily noticed and extinguished before much damage is done. This attracts a lower rate because it means that the risk of a fire damage is lower.

4. You will save much if you really have between 25-30 minutes. Visit, obtain and compare home insurance quotes from various insurance quotes sites. The cheapest offer should be what you go for easily. However, you have to look beyond just the lowest quote to the best price/value. The cheapest may not offer the best price/value for you as an individual.

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