Affordable Home Insurance -- More Ways To Make Massive Savings Without Hurting Yourself
By: Chimezirim Chinecherem Odimba
Affordable home insurance: This article is about other things you can do to get lower rates. Here they are with a precaution you mustn't fail to note...
1. Do regular checks on your plumbing and upgrade once it becomes necessary. Reports show that water damage is the most common claim on a homeowner's policy. Therefore, things that lower your risk of water damage will lower your home insurance rate. Let your agent know if you've improved your plumbing.
2. Check an insurer's rating and do NOT be deceived by just cheap premiums. Few things can be worse than realizing that made payments diligently to the wrong insurance provider only when you make a claim. It doesn't take much time to find out from your state's department of insurance's website. Check if your preferred insurer is licensed to offer home insurance in your state.
Independent bodies like BBB, A.M Best Company, Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. will also help you determine if an insurer is worth it.
3. If your home's landscaping is done properly it will help bring down your rates. Things like potholes raise the chances of injuries that could result in liability claims. So if you want to lower your premiums make sure you have done your landscaping properly. And if you haven't and plan to do it, talk with your insurance agent so you'll know the right things to do in your landscaping to make sure you get the highest discounts possible with your insurance provider.
4. If you strengthen your roof you'll receive cheaper home insurance premiums. Take serious note of this if you live in the East where high winds are more prevalent. Your agent should be able to state things you can do if you want a discount this way.
5. You can lower your home insurance costs by obtaining and evaluating quotes from at least five good insurance quotes sites.
Article Source: http://www.1articleworld.com
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