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Saving On Homeowner's Insurance

Aug 18, 2007
Insurance companies provide insurance packages so getting your car and your home insurance from the same insurance provider will enable you to obtain a discount.

You can also experience substantial savings by increasing your deductibles. A large deductible can also prevent you from making small insurance claims as surcharges are already being imposed on small claims.

Security systems installed in the home like burglar alarms help prevent theft and in this manner your house is a lesser insurance risk. Many of the home security systems would give you discounts on your insurance premiums but the alarm types that responds directly to the fire and police department can give you the most discounts.

Many agents would ask if you have dead bolt locks on your doors for discounts are given for these. Compared to the savings and discount that you will be getting, dead bolt locks are basically inexpensive. But ensure that all your doors have one because the discount comes with the condition that all doors in the house should have dead bolt locks.

Fire prevention is important both for you as well as your insurance provider. Fire losses can be very costly and fire insurance claims are expensive. Your insurance company may provide additional discount if you have a fire alarm in your home. An indoor sprinkler system would be another fabulous addition. Even if your insurance company may not offer any discount for such installations, having them in your home would prove to be useful and valuable.

Many accidental house fires have been caused by smokers. Non-smoking households are given discounts by some insurance companies.

Discounts are often given by insurance companies if you have affiliations with certain organizations from sororities, credit unions or even having a certain credit card. Ask your insurance provider for the organization affiliation list for you might be affiliated with some and you can avail of a discount.

Many companies check your credit rating and standing and basically base your policy plan on their findings. If your credit is not in good standing, it is advisable to inquire from companies that do not do credit checks.

If you have been turned down several times for homeowner's insurance or feel that you are paying unreasonably high premiums because of having a house with a high risk (for instance situated in an area with high crime rate), check if your state is offering high risk property insurance.

Additional discounts like reduced rate for seniors and others are also available. Take the time to have a talk with your insurance agent most especially before renewing your policy to see if other discounts are still available for you to avail.
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