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Best Home Owner Insurance -- Get It For A Lot Less With These Tips

Published Wednesday, August 27, 2008 by bloggerblognet26206 | E-mail this post

Best home owner insurance for a lot less: This article will show you other things you can do to get lower rates. Also take note of the precaution you are advised to take as you implement these tips...

1. Don't insure your house along with the land it is standing on as this will cost you more but quite unnecessary. Some folks pay much more than they should on home insurance on account of this mistake. They just insure their house for its complete value without deducting the cost of the land.

If you did this quickly call your agent and re-evaluate your home insurance policy. Deduct the land's price and you'll realize that you will need far less coverage.

Your premium will be more affordable and you'll still have adequate coverage if you do this right. Bear it in mind that insuring the land your house is standing on is real waste of money because it does you no good whatsoever.

2. Endeavour to place fire extinguishers at important points in your home. Your kitchen is one crucial point to have one or more functional fire extinguishers. You must as well ensure that it's adequate for your kind and size of kitchen.

And, don't forget that you must keep them within easy reach. Doing this will help you lower your rates.

3. A typical vehicle garage has highly inflammable liquids. To be on a safer side, make sure your garage is at a safe distance from your residential structure and you'll likely enjoy a better rate. You can get details of the recommended distance and how much you will get as discount for this from your agent.

4. Installing a sprinkler will make you eligible for considerable discounts. Sprinklers are very useful in putting off fires and, by extension, reduce fire damage. Even though they're by no means cheap, they'll bring you remarkable discounts. You can pay back over several years thus reducing the difficulty in spending the amount involved in such a project.

5. Does your house have fire escapes? If you say "yes" then make sure your agent knows about it as it should get you a small discount. Don't forget to tell your agent even if all your home has as fire escapes are rope ladders. Folks who don't have these will attract cheaper rates if they put in place the right kind and number for their home. Ask your agent to see what qualifies you for such a discount.

I've prepared a free but high value 21-day ecourse that will show you over 120 sure-fire ways to cut down your insurance rates. Sign up for it here...

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As always, you can cut down your rates now by getting quotes here...

Cheaper Insurance Quotes

Chimezirim Odimba writes on insurance.

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