Are you positive you seriously want lower Virginia homeowner's insurance rates? If answered "Yes" you must do everything within your power to find out as many ways as there are to cheaper rates. I've got enough suggestions to help the greater majority save up to 50% on their Virginia house insurance policy...
1. Smoke and fire detectors will will go a long way in lowering your home's fire risk. You will enjoy more affordable Virginia homeowners' insurance rates especially if you've fixed the right numbers for your size and type of home. If you have them, don't forget to replace their batteries twice yearly.
With such detectors fires will be spotted on time and stop more easily before they can do any real damage. And since the risk of fire in a home is a defining factor in calculating home insurance premiums, you will pay far less by taking this step.
2. A group policy attracts more affordable rates. Many associations have also negotiated discounts for their members with home insurers so ask if yours has such.
I will, nevertheless, advise that you still get and compare quotes from other insurance companies that your association may have no group discounts with. This is because you may end up getting an insurer that is ready to take less than you'll even obtain with your group discount. Shopping extensively will enable you get the cheapest rates.
3. There are fire and security that are monitored round the clock. Apart from the peace of mind you will have in knowing your house is watched regularly by competent professionals, you will enjoy lower Virginia homeowners' insurance premiums. This can reduce your premium by more than 25% depending on your insurance provider.
4. Do you have locks on each of your windows? If you don't you will be paying more because of that. You will save even a lot more if you go one step more to have burglary-proof bars fixed on all of them. If you're not one of those people who feel so uncomfortable with these kind of fittings, they'll get you huge discounts. If you are not one of those folks who say that having such makes them feel imprisoned in their own house, have them fixed if you want to lower your home insurance rates considerably.
5. A fire-safe home exterior will help lower your rates. Having things that are very inflammable or that aid combustion around your dwelling will make you pay more expensive rates. Although cutting bushes around your house looks mundane, you will pay lower Virginia homeowners' insurance rates if you do maintain them at a distance of at least 10 feet from your structures. This is because how fire-safe a home is goes a long way in determining what it will cost to insure it.
6. You can get savings of hundreds of dollars on your home insurance policy by requesting for insurance quotes from insurance quotes sites. The best strategy is to visit at least five sites and making sure that you input the same (correct) details.
I recommend that you visit not less than five quotes sites as that will ensure you do not miss out better quotes not presented by the other sites. This offers you a broader basis for doing better comparisons thereby increasing your chances of better quotes.
Here are my favorite quotes sites (highly recommended)...
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