How can you get your homeowners insurance cheaper please?

Answer 1

There are many things that you can Do that will help keep your Homeowners Insurance Rates low. Remember that your Insurance rate is based on what your Insurer sees as your Risk Factor.

Here is a list of a few things that can significantly effect the cost of your home Insurance Policy as well as the Quality and Scope of Coverage an Insurer may be willing to offer you in the future.

1. Maintain the Property and Homes curb appeal so that it does not suffer from depressed moral and does not become an attractive hazard.

2. Make regular necessary updates of fixtures and appliances, weather protection assets, Widows, Roofing etc and report them to your Insurer. Most Insurers offer Discounts for updates as well this reflects Responsibility and Pride of Ownership.

3. Home Fire Alarm and Security Systems. Many Insurers offer discounts up to 15 percent for a Monitored Home Security and Fire Protection system.

3. Don't use your Homeowners Insurance Policy as a Home Warranty or Property Maintenance plan. A long record of frivolous or small neglectful maintenance related claims can make a risk uninsurable altogether or can significantly effect eligibility in a preferred rate program.

4. This one can be controversial but it must be mentioned. Many Preferred Insurers do check Personal Credit. Maintaining a good credit score can indicate Financial Responsibility as well as Stability and can qualify you for a better rate with many Insurers.