subject: How to get the best deal in home owner insurance [print this page] What if I was to tell you that you have the power to influence how much your home insurance is going to cost you? That is the best news to any customer, being able to influence the price of a necessity so as to pay much less at the end of the day. However, these measures may cost you, but in the long run, your premiums will cost much less than what they would have been.
Security is the key in your house. Insuring your house does not mean that you have to relax when it comes to bolting those doors or making sure that the burglar bars are in place. Dead bolt locks on every exterior door will keep the burglars out. This will qualify for a lower insurance, because you have helped in reducing the risk of theft for your property. Remember these companies also want to make a profit and insuring a house that is more likely to get robbed the next day, will be a great loss to them. In order to avoid such losses, they simply charge you more.
Qualify for a discount on your home owner's insurance, by placing fire detectors in your home. These help in reducing the extent of damage a fire could cause in the event of that happening. Always make sure that they are in top shape and they are fully functional. Now that you have reduced the risk of your property being damaged in a fire related incident, they will not hesitate to reduce their fees.
Most homeowners' insurance companies will offer you an option to either pay monthly or yearly. You are entitled to choose which one will you will be most comfortable with, but an annual payment works out to be cheaper in the longer run. Take a few extra minutes to do your calculations before you make your choice. If you are someone who thinks in the long term, you will find that annual payments will cost much less. In addition, some companies will offer you a discount when you pay annually. Annual payments also work out best for the insurance companies, as it reduces their overheads.
How to get the best deal in home owner insurance
By: Jenny Maloy
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