Homeowners Insurance Tips
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Just like auto
insurance, home insurance policies have deductibles, and the same rule of thumb
applies--carry the highest deductible you can afford. The
higher your deductible, the more premium credit you can expect to
receive from your insurance company.
Your savings could
reach 25% by increasing the deductible from $100 to $1000.
Most insurance
companies offer discounts for smoke detectors, burglar alarms,
dead bolts, fire extinguishers, and Neighborhood Watch Areas.
Homes with a fire and burglar alarm system hooked up to a third-party monitoring company
receive higher discounts than homes with local bell alarms.
Insuring two or more
vehicles with the same insurance company can save you 10 - 15% on
your premiums. If you cover your homeowners insurance and auto
insurance together, you can reduce your premiums by another 10 -
15%.
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Before buying a home,
consider its construction type, such as frame or concrete block
and steel (CBS). A wood frame house typically costs more to
insure than one built mostly of concrete.
If you live in the
country, you'll probably pay higher rates for your insurance than
if you lived in town. Why? It's because of the longer distance to
your local fire station. If you live more than 5 miles from the
nearest fire station, and more than 1,000 feet from a fire
hydrant, you will most likely pay a higher premium.
Before purchasing
your home, you may want to get a quote for both and flood
insurance. Insurance companies may not offer you windstorm or
flood coverage, depending upon the area in which you live. If
your home is in a hurricane prone area and your insurance company
offers windstorm coverage, then installing approved hurricane
shutters should result in a premium discount.
If you have not had a
claim under your policy during the past 3 - 5 consecutive years,
you could receive up to a 15% discount, depending on the
insurance company. Plus, most companies will discount your
premium if your policy has been in force for 3 straight years.
Some insurance
companies target homeowners who have paid off their mortgage and offer them
premium discounts of up to 5%.
A majority of
insurance companies offer a discount for new homes, and you may
qualify if your home was built in the last 10 - 15 years. Also, a
recently renovated home costs less to insure, so find out when
the last major electrical, heating and plumbing update was
completed on the home.
Some companies offer
a non-smokers discount of up to 15% to qualified . To qualify,
you must be a non-smoker and you cannot permit smoking in your
home by anyone. Retirees or senior citizens are usually offered
discounts because insurance companies believe they are home more
often and are therefore better able to protect their home against
fire and burglary.
Some insurers offer
up to a 2% premium credit if you have a live-in employee as they
feel it could reduce the likelihood of burglary.
After reviewing the
foregoing savings tips, you may think that if you added up all
your credits you could receive a 70 - 90% reduction in your
premiums. Unfortunately, it doesn't work that way. Certain safety
or other measures you take may qualify you for being placed with
the "preferred" company of a particular insurance
group. This "preferred" company will be able to give
you more premium credits than a standard company is able to.
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