subject: Home Insurance Quotes - Ask Yourself These 5 Questions [print this page] When you own your own home, there is a lot of responsibility and many costs that come along with the responsibility. There are many things to consider when you get a new home, but one of the most important is going to be the home insurance that you purchase. While you need good cover, the last thing you want to do is cramp your budget with a policy you can barely afford.
Wondering how you can get a good price on your insurance? Well, you can start by being well prepared. Before you begin searching for your home insurance quotes, there are a few things that you need to ask yourself. For a great price, ask yourself these questions.
1. First, you need to ask yourself how long ago the home foundation was laid. The foundation on a home that is older may not be as stable and is more likely to have a problem. For this reason, companies are going to charge you more for cover. This means that you may want to ensure you buy a home that has a newer foundation to ensure you get reasonable quotes on the insurance you need.
2. Another question to ask yourself is if there have been any upgrades or renovations done on the home. In many cases, upgrades and renovations can offset problems with older homes. You may be able to get a lower price on your policy because some renovations have been done on your home.
3. You need to ask yourself how many outbuildings are on the property too. When you are getting home insurance quotes, the outbuildings will need to be considered. When companies are calculating your rates, playhouses, carports, and even garages are all going to be considered. Forgetting to let the company know about your garden shed could lead to a hike later in the rates that you pay. Make sure you are upfront with companies about all outbuildings when looking for your insurance.
4. What kind of windows are in your home? This is another question to ask. Double glazed windows are a lot safer than old fashioned sash styles. This type of protection in your home can help you to get lower rates as well.
5. What about home security? Is your home secure? Do you have security measures in place. Your policy is going to cover items that are stolen from your home. This means insurers are willing to give you a discount if you install security measures. Some of the security measures you can install include window alarms, a whole house security system, or even deadbolts on all your doors.
The bottom line is that if you can save them some money by not making countless claims they are going to help you save some money! With this information and by asking yourself these questions, you are more likely to get a great deal on the cover that you need. Before you even start to look for home insurance quotes, be sure to ask yourself these questions and take every measure possible to cut costs on the cover needed for your home.
by: Tom Jones
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