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Alabama Home Insurance -- Tips For Lower Rates

Apr 8, 2008
Alabama home insurance: You will easily pay less for the right coverage if you get and implement the right advice. But also note that you could make savings if you use the wrong tips. The only difference is that you'd be compromised in the quality of coverage you get.

I will, however, only make suggestions that will save you much while you still keep enjoying adequate coverage...

1. Having window locks on all your windows will help reduce your home's risk of burglary. You'll save even a lot more if you go one step more to get burglary-proof bars fitted on all of them.

Even though most folks do not like this because it makes them feel like a prisoner in their own house, it really does reduce your rate considerably. If you are not opposed to this quickly fix them in your home and get more affordable rates.

2. Do regular checks on your plumbing and upgrade once it becomes necessary. The fact that the predominant claim on a homeowner's insurance policy is water damage should tell you something.

This means that if you can take steps to lower or remove the risk of water damage, you will bring down your home insurance rate. And do not forget to tell your agent if you upgrade your plumbing.

3. Cut down on your homeowners' liability coverage while you buy an umbrella policy instead and you will lower your rate substantially. The additional advantage here is that although you'll pay much less, you will also get superior coverage.

Don't forget what the liability part of your home insurance policy is for: To shield you from losses you could suffer due to injuries to persons on your property. Lawsuits that may result from any injury claims are as well taken care of. It does all these within a certain limit. That is, there is an amount to which you're covered.

On the other hand, there are hardly (if any) lawsuits that an umbrella insurance policy won't protect you from totally.

4. Make sure you fully understand the exclusions section of a home insurance policy. Be well informed that you won't get compensated for anything that is excluded from your policy.

So before you settle for a great rate, ensure it does not exclude something that might compromise you down the line. However inexpensive a policy is, it loses its meaning if it doesn't give you adequate coverage.

Do NOT wait until you file a claim to find out that you truly did NOT have the coverage you intended.

5. How well you reinforce your roof is a factor that could get you a discount. This is very true for all those who live in the East where high winds are a serious threat.

If you want to know how to strengthen your roof and enjoy discounts for doing so, ask your agent.

6. As you do these other things to bring down your home premium, here's what to do to get lower rates now. Visit good insurance quotes sites and request for quotes. Visit at least five of such sites for the best results.

It's free, quick and easy. However, ensure you give your correct details as you complete the questionnaires presented.

The last step is to just pick the offer that gives you the best price/value from the quotes you receive.
About the Author
If you can't wait to start paying lower rates then start obtaining and comparing quotes at this page: Alabama Home Owner Insurance Quotes. Chimezirim Odimba has a passion for teaching insurance shoppers how to cut down their rates without downgrading the quality of coverage they get.
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