It is easy to get very cheap quotes and pay much less for the right coverage once you know what to do. Go through this write-up if you want to join this special group who are paying a lot less while enjoying the right coverage...
1. You'll pay more affordable premiums if you elect to pay your rates annually and not monthly. A strong reason for this is the cost an insurance company incurs for sending you 12 bills instead of just one anually.
As if that was NOT enough expense, each check you send attracts a transaction fees as well. 12 checks mean 12 transactions and will draw 12 separate fees.. And, if you really come to think of it, these extra costs are eventually added to your Virginia homeowners insurance rates.
Therefore opt for yearly payments instead if you want to save this way. What you will save could be as much as 8.5% of your total monthly premiumss over the course of just a year.
2. You'll as well enjoy a discount if you have motion-sensitive lighting on your property. Burglars understandably don't like to operate in any place they could be easily noticed or caught. Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, consequently, your Virginia homeowners insurance rates.
3. The material you use in the construction of your home goes a long way in affecting your home insurance premium. Buy a frame home if you want more resistance to earthquakes or buy a brick home for better resistance to high winds. So if you reside in the East, you will attract more affordable premiums if you yours is a brick home. For people who stay in the West, they'll pay more if they buy a brick home. Expect to save a minimum of 5% if you choose a house with the recommended material.
4. If you install a sprinkler you will get a discount. Sprinklers are very useful in suppressing fires and therefore reduces fire damage. Even though they're by no means cheap, they'll bring you remarkable discounts.
5. Make sure you don't forget to subtract the land's value from the home's value as you apply for a home insurance policy. People who ignorantly do this are paying a lot more than would do them any good. Insuring your home for the purchased price without subtracting the the land's worth is an expensive error.
If you did this quickly call your agent and re-evaluate your home insurance policy. Subtract the land's cost and you'll realize that you'll need far less coverage.
With such a review you will lower your premiums considerably and still leave with adequate home insurance coverage. No matter what you do and who you meet, don't forget that the only things you insure are things that can be stolen or damaged and your land is not one of such.
6. Make out some time to visit not less than five insurance quotes sites that provide quotes on home insurance policies. Doing this will take you around 25 minutes.
As you visit each site, make sure you give the same information. Doing otherwise will return misleading results. When you've received your home insurance quotes, compare them to see which serves your interest best in price/value.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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