Have you succeeded in your bid to bring down your Virginia home owner's insurance rate? Have you limited yourself to only tips that your friends shared with you a years ago? Won't you like to get more tips considering that will imply saving even much more? Then check if you've thought of these tips...
1. Do you have a fire extinguisher or fire extinguishers in your house (depending on the number of fire sources presently in your home)? Your kitchen is one crucial place to have one or more working fire extinguishers. You must also make sure it is adequate for your kind and size of kitchen.
A fire extinguisher is only beneficial if it can be reached and also works well. Therefore, make sure it's in its best condition and within easy reach. Doing this will help you reduce your premiums.
2. Your rates will reduce if you do routine maintenance of your home. Take care of things like dead tree limbs on your property. Without any delay, fix anything that could cause a damage or lead to a liability claim. You'll be saving yourself a lot on home insurance over time by doing this.
3. It is more expensive and needless to insure the land on which your house is standing. Folks do this without knowing. Insuring your home for the purchased price without subtracting the the land's cost is a big mistake.
If you made such a mistake, you'll have to review your Virginia homeowner insurance coverage and check it again with your agent. Deduct the value of the land and you'll discover that you will need far less coverage.
Doing this will lower your premiums by a huge margin and still leave with sufficient home insurance coverage. No matter what you do and who you meet, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.
4. A swimming pool is surely one of those things that makes it a dream home. Nevertheless, it will increase your rates substantially especially if you don't have a fence round it.
Even though you will get more expensive rates if you have a swimming pool, you can bring down what you pay by having a fence around it or implement other safety precautions. If you don't your home insurance premium will shoot through the roof.
5. You will save much if you really have between 25-30 minutes. Visit, receive and compare home insurance quotes from various insurance quotes sites. The cheapest 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 cheapest may not be the best price/value for you as an individual.
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