Are you serious about bringing down your Virginia house insurance costs by saving on your premium dollars? Then you've come to the the article you need. I'll give you a lot of sure-fire recommendations that will make you qualify for many discounts. And this will be without compromising the quality of coverage you get. Here are the tips...
1. You'll save if you buy all your policies from the same insurance company. Insurance companies offer discounts (multi-policy discounts) for insureds who buy multiple policies from them. But you might make more savings with different insurance providers than you'll get from a multi-policy discount.
2. You can make your home almost disaster proof thereby reducing your risk and, as a result, your Virginia house insurance premium. Apart from ensuring you have everything in place to protect against fire and burglary, the following are recommended for various areas...
a. If you live in a locality that's very prone to high winds, you will save more by having storm shutters.
b. Using a heavier roofing material will make your home more insurance friendly thereby helping you get more savings on your Virginia homeowner's insurance premiums if you reside in a windy area.
c. Retrofitting your house as a defence against earthquakes.
d. Cutting off dry branches on trees on your property will reduce the likelihood of a branch falling off and causing injury and/or damage.
e. It is also advisable that you ensure no trees come to your building. This is because tree limbs over or close to structures could easily result in extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material it is made of.
Your agent will tell you other things that you can do to make your home a better risk to your insurer.
It's also neccessary to check if the discount you'll get justifies the cost of using the recommendations. You will pay far less on your Virginia house insurance if you work with these.
3. Make sure you don't make the mistake of not subtracting the land's value from the home's value while applying for an Virginia homeowner insurance policy. People do this ignorantly. They just insure their home for its entire value without subtracting the cost of the land.
If you did this quickly call your agent and re-evaluate your coverage. Lower your coverage to the worth of your house and its contents minus the cost of the land.
With such a review you will reduce your rates considerably and still leave with adequate home insurance coverage. Since insurance is for things that can't afford to lose, insuring the land which can neither be lost or damaged isn't a smart move.
4. If you strengthen your roof you'll receive cheaper Virginia homeowners' insurance rates. This is truer if you live in the East. Your agent should be able to state things you can do if you intend to have a discount this way.
5. You may be spending much more if you've got a government homeowner's insurance policy. Certain areas used to have great difficulty in getting home insurance coverage. Most people in those regions had just an option: Government homeowner's insurance sold by a government agency. However, at the moment there are many private insurers who also provide coverage for such places.
Depending on where you live, though, you might still have no better choice but to use government homeowner's insurance. But if your area is now covered by some private insurers you could save a lot more by buying from them.
6. You can save more by visiting not less than five home insurance quotes sites. If you do this, you'll make it most likely that you'll get all the lowest quotes possible since five sites will return not less than 25 quotes altogether.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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