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Home Insurance Price Factors
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Here are some factors
to consider when purchasing home insurance. All of these factors
can and will have an influence on the price you pay for home
insurance.
Insurers factor in general wear
and tear on your home when setting a premium.
They will inspect such things as
the condition of the roof, porches, decks, and the integrity of
the home's wiring system.
Because new homes tend to be in
better condition than older homes, some insurers will offer up to
a 15 percent discount if your home is new.
Certain types of homes are less
expensive to insure because they are more resistant to damage.
For example, a brick home is preferable because of its resistance
to wind damage.
Many insurers also
offer discounts of approximately 5 percent for safety features
such as burglar alarm systems,
deadbolts, window locks, smoke detectors, and sprinkler systems.
You may also receive a discount if your home is in close
proximity to a fire department.
Because smoking in
the home greatly increases the risk of fire, some insurers will
offer a discount of about 2-5 percent if no one in the home
smoke.
Flood and earthquake
damage is not covered by standard home insurance policies.
Special supplemental
catastrophic policies that cover these conditions are available,
but can be quite costly. If you are currently covered against
these catastrophes through a government plan, however, research
coverage through a private insurer. It may actually be lower.
Homeowner's insurance
typically covers damage or loss to your home and its contents.
But some packages
also provide other benefits such as personal liability coverage
if someone is injured on your property or theft insurance.
Read the fine print.
Prices and coverage
can vary significantly between packages that appear similar. Make
sure you get what you need and use what you get.
The deductible is the
amount that you the policyholder must pay before your insurance
company starts paying benefits. The higher your deductible, the
lower your home insurance premiums. By raising the deductible,
you can save up to 50 percent of the cost of your homeowner's
insurance.
Insurers will often
reduce their rates if you buy more than one type of coverage such
as auto and homeowner's from them or if you stay with them over a
period of time.
If you are over the
age of 55 and retired, check with your insurer to see if you
qualify for a discount.
Most insurance
companies offer these discounts because retired people are home
more and can spot fires sooner than working people and have more
time for maintaining their homes. Some insurance companies will
offer discounts of up to 10 percent to seniors who qualify.
As with other types
of insurance coverage, you can often obtain better home insurance
rates if you get coverage through a group plan.
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