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Getting the Most Homeowner's Insurance For Your...

If you own your home, then you need to make sure that you are getting the most homeowner's insurance coverage for your money!  Do not wait until something goes wrong with your home to review your policy and realize that certain things aren't covered or that you are paying too high of a premium.  Following some of these tips can make sure that you have the insurance coverage you need for the lowest price.

Opt For a Higer Deductible

Statistics show that most people only file a claim on their homeowner's insurance once every eight years, so it makes more sense to raise your deductible and have lower monthly payments.  Even if something happens and you need to pay a higher deductible, it still ends-up costing less over the long run by not paying as much every month.

Shop Around

Research many different companies offering homeowner's insurance and find the best deal!  Ask for discounts if you add your car and/or life insurance to the policy, as well!  Also, ask for a discount if you are over 55 years old.  These companies want your business and will try to get the lowest price possible for you if you continue to haggle with them.

Cut Premiums With These Simple Steps

Insurance companies want to know that your home is safe and up to code.  They want you to already be prepared for a disaster and by doing this, they will reward you with lower premiums.  Consider installing a home security system, smoke detectors, sprinkler systems, fire extinquishers, alarms, and put deadbolts on your doors. 

By following these simple tips, you will be able to bring down the cost of your homeowner's insurance premium, without sacrificing proper coverage.





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