Even though you can make savings by reducing your coverage, it is not recommended if it puts you at risk. Nevertheless, you can get cheaper Virginia home owner's insurance rates for better coverage if you have the right tips and and apply them rightly. I'll show you how...
1. Installing advanced security and fire systems that are monitored 24/7 is a smart step. Not only will you enjoy a big discount, you will as well feel safer once you remember that your home is constantly monitored. This can bring down your premium by more than 25% depending on your insurance provider.
2. Your claims over a space of time has an effect on an insurers perception of your home's risk. Desist from making claims for every little thing as that will make your home a higher risk. Once an insurance carrier sees you as a bigger risk, you start attracting more expensive rates.
Do NOT make a claim if it's a matter you can deal with without much hassles. You will be keeping your Virginia home owner insurance rate cheap by doing that.
3. You will as well enjoy a discount if you have motion-sensitive lighting in your home. Your house becomes a no-go area for thieves as they'll be spotted easily. Your rate will be lower you'd have reduced your home's risk of burglary through this type of lighting.
4. You'll be given a more affordable rate if you elect to pay a higher deductible.
Remember that your deductible is the amount you'll have to provide first before the insurer pays out anything. For homeowners insurance policies, your deductibles will usually start from $250. Raising your deductible from $250 to $500, for example, could save you around twelve percent. You can save close to 24% if you decide to increase yours to $1000. Check with your agent for how much is possible as there is no standard discount rate for all insurance companies..
5. Make sure you have fire extinguishers in your home at important points or close to all fire sources. If you don't have any other place, make sure your kitchen has one. You must also make sure it is the right kind for your type and size of kitchen.
And, do NOT forget that you must make them very easily accessible. Doing this will help you lower your rates.
6. You will save a lot if you only have between 25-30 minutes. Visit, obtain and compare home insurance quotes from several insurance quotes sites. The lowest quote should be what you go for easily. Nevertheless, you have to look beyond just the cheapest quote to the best price to value ratio. The lowest priced may not be the best price/value for you as a person.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment