Contrary to what you might have been told, you don't really need to do very great things in order to attract the cheapest policy that meets your needs. Just knowing some compulsory things and applying them will make a huge difference. Following are a good number of things that will bring you closer to the goal...
1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, helps you get cheaper home insurance premiums. Burglars naturally do NOT like to operate in any environment they could be easily noticed or caught. Since thieves avoid homes with such lighting, you reduce your home's risk of burglary and, consequently, your premiums.
2. Do NOT leave ladders in places where someone can easily use them. Doing this would be making a burglar's mission much easier. Don't also leave your tools, machinery or such on the lawn or wherever in the open as they could cause accidental injury and add to your liability claims. Burglars will have an easier ride breaking into a home that hands them such assistance. Keep them away safely and you'll be avoiding a high rate.
3. Make sure you do NOT make the mistake of not subtracting the land's value from the home's value while applying for a home insurance policy. Some people pay much more than they should on home insurance due to this mistake. You have made same mistake if you insured your house for the price you bought it without checking the cost of the land it's standing on and deducting it.
For folks who've ignorantly done this, call your agent and go through your home insurance coverage again. Lower your coverage to the cost of your home and its contents minus the land's value.
This means you will pay a lot less on home insurance. No matter what you do and who you meet, remember that the only things you insure are things that can be lost or destroyed and your land is not one of such.
4. Making your premium payments once every year will save you much when compared to monthly payments. A major reason for this is the cost an insurance company incurs for sending you 12 bills instead of just one yearlly.
As if that was NOT enough expense, each check you send attracts a transaction charge as well. 12 checks are 12 transactions which mean 12 different transaction charges. These and other costs so incurred by your insurance company are eventually borne by you, the insured..
Therefore choose yearly payments instead if you intend to save this way. The real amount you could save might differ but expect to save up to a month's premium worth with most insurance companies if you settle for this option.
5. Having your premium removed automatically from your account will bring about cheaper premiums. All you have to do is to tell your bank or credit card company to send your premiums at certain periods automatically until told otherwise. Apart from being easier, you'll get a discount for this.
6. Make out some time to visit a minimum of five insurance quotes sites that provide quotes on home insurance policies. This will require not more than 25 minutes. As you visit each site, ensure you input the same details. Doing otherwise will return misleading results. After 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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