Wednesday, May 6, 2009

Cheaper Washington Homeowners' Insurance? Try These

By Chimezirim Odimba

You will get cheaper home insurance premiums if you do your landscaping right. If your landscaping is done right, there won't be potholes that could result in injuries to visitors. If your landscaping is not done right, you might be losing some cash in home insurance. If you are still considering it then you should discuss with your agent for recommendations that could help you save even more.

Having a smoker in your home will raise your Washington home owner insurance rates considerably. According to reports, about 23,000 residential fires result from smoking. Non-smoking households pay cheaper premiums than homes with smokers. For people who smoke, bear in mind that you're eligible for a downward review in your rate once you've quit smoking for over twelve months. What if your insurer refuses to grant you discounts because some insurers don't give non-smokers discounts? Then it's time to shop for an insurance company who does unless you enjoy something else to make your continued stay with such an insurer worthwhile.

The level to which you improve your roof could get you a discount. Take special note of this if you live in the East where high winds are more prevalent. If you want to know how to reinforce your roof and enjoy discounts for doing so, ask your agent.

According to statistics from a reliable source, about 1 out of every 3 liability claims (costing insurers a sum of $1 billion) annually are as a result of dog bites. This justifies the much higher rates that dog owners typically get. Nevertheless, keeping your dogs in a place where they can do no harm will make you pay less.

We sometimes want to renovate our house. Reducing your rate might not even have crossed your mind. You want to make sure that your home is just the way you like it with everything in excellent shape.

If you do this you will be eligible for a more affordable home owners insurance premiums. Ensure you inform your agent and also ask for his or her input if you intend to get more considerable discount for doing this.

Brand new houses and houses that have been renovated are better risks to an insurer and therefore get you cheaper home insurance premiums. But remember that the wider the scope of the renovation, the more the savings you'll get.

No comments:

Post a Comment