Tag: Fire Station
Homeowner Insurance Tips
by guest on Jul.02, 2009, under Blog
Higher Deductibles Equals A Lower Payment
Similar to car insurance, have deductibles, and the same rule of thumb prevails, carry the highest deductible you can afford to pay. The your deductible, the higher premium credit you can expect to receive from your homeowner insurance company. Your savings reach 25% by increasing the deductible from $200 to $4000.
Improve Your Home Security
Most homeowners insurance companies offer rate reductions for burglar alarms, dead bolts, fire extinguishers, smoke detectors and Neighborhood Watch Areas. Houses with a fire and burglar alarm system hooked up to a third-party monitoring company receive savings than homes .
Insuring several cars on the same policy with the same insurance company can save you ten percent to fifteen percent on your premiums. If you cover your homeowners insurance and auto insurance together, you can reduce your premiums by another .
Verify Windstorm Areas and Distance to Fire Stations
If you live outside the city, youll probably pay higher rates for your homeowners insurance than if you lived in town. How come? Its because of the further distance to your local fire hall. If you live more than miles from the nearest fire station, and more than 1,000 feet from a fire hydrant, you will almost definitely pay a higher rate.
Save Money with Renewal Discounts
If you have not made a claim under your policy during the past three to five consecutive years, you receive up to a fifteen percent , depending on the company. Plus, most companies will discount your premium if your policy has been in force for three consecutive years.
Free and Clear Mortgage Discounts
Many insurance companies target those who have no mortgage and offer premium savings of up to five percent.
Renovated and New Home Discounts
A majority of insurance companies offer a discount for new homes, and you will qualify if your home was built in the last ten to fifteen years. Also, a renovated home costs less to insure, so find out when the last major electrical, heating and plumbing update was completed on the home.
The easiest way to know if you are receiving the best rates possible on your home insurance is to go online and compare rates. Even if your home is mobile, you can compare and receive a very competitive RV insurance quote online and know that you are paying the lowest rates possible no matter what type of home you are insuring.
