subject: Fast Ways to Save Money On Home Insurance [print this page] Fast Ways to Save Money On Home Insurance
Almost everybody I know is looking for some ways to save more money. One bill that many home owners forget about is there monthly homeowners insurance premium. By following a few simple tips, it may be possible to save hundreds of dollars every year.One very popular home discount is very simple to get. If you also need to insure a vehicle, find an insurer who offers home and car insurance discounts. Many insurers may offer you a large discount if you insure your home and auto with them. That way they get two policies from one customer.When you decide how much to insure your house for, you probably do want to consider rebuilding costs. You probably do not need to insure the actual land value. This is a mistake many home owners make.So if your home and land are worth $200,000, but $20,000 is the value of the lot, you may only need to cover your home for $180,000. A good insurance agent can help you come up with the right amounts to cover your home for.Sometimes you may shop aroud and still find that premiums are too high. In this case, it may be time to raise your deductible. Just be aware that you will have to pay this amount from your own pocket if you do need to make a claim.However, if you do have a $250 deductible now, and then raise it to $1,000, you may save 25% of your premium every year. On a fairly modest $100 a month premium, that means you will save $300 a year. If you pay $200 a month, you could save $$600. In a couple of years, you should be able to save more than the cost of the increased deductible.Find out which insurance discounts you could qualify for now, and which would be fairly easy to qualify for later. Some inexpensive upgrades, like home security systems or fire alarms, can cut 5 percent to 20 percent off of your monthly bill.You may be able to save money very quickly by simply shopping around for a better homeowners insurance deal. There are lots of insurance companies competing for business. Another top company may be willing to save you some money in order to get your business.In fact, experts tell us to shop around for better insurance deals every year or so. This is because some things may change in our own lives that affect rates, but also because the insurance market changes all the time. That cheap insurer who gave you a great deal a few years ago may not be the one with the best deal today.Have you put off shopping around because you think it is too confusing and time consuming to compare policies? There are many online quote forms that can make this task much easy.You can usually complete the insurance quote form in less than 5 minutes. The system should help you find local insurers who offer good deals to home owners in your situation. They also have another benefit. You will find contact information for local agents who are ready to help home owners just like you.
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