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How To Get The Best Rates On Homeowner’s Insurance In Florida

How To Get The Best Rates On Homeowner’s Insurance In Florida

For most homeowners in Florida their home represents their biggest investment and their most valuable and prized asset. Therefore it’s only natural that they would want to do everything possible to protect their investment. One way to protect your home and its contents is to purchase homeowner’s insurance.

Even though everyone wants to protect their home in case of a disaster, everyone still wants to get the best rates on homeowner’s insurance in Florida that they possibly can.

The good news is there are several simple steps you can take that can help to reduce the cost of your homeowner’s policy.

Let start by reviewing how much insurance you need. You need enough insurance to rebuild your home from the foundation up and to replace the contents of your home. In other words, after a disaster you need enough money to put things back the way they were.

The one thing you do not want to pay for is homeowner’s insurance on the value of the land underneath your home. Your land doesn’t need to be insured.

Keep in mind that here in Florida most homeowner’s policies have a wind exclusion and no standard homeowner’s policy covers your home in case of flooding. You need to speak with your agent about ways to get insurance for wind and flood.

If your home is more than 10 years old ask your agent how much of a savings you would realize each month if you upgraded the plumbing and the electrical systems. Often the savings can really add up over the course of a year.

Make sure all brush and weeds are cleared at least ten feet away from any structure on your property. This reduces the risk of fire and could result in a monthly savings.

Make certain that every exterior door has a working deadbolt and that every window, regardless of what floor it is on, has a working lock. Let your agent know about any upgrades or improvements that you make to your home or your property. Even new landscaping, fixing cracked or broken walkways or replacing loose floorboards or hand railings on porches or decks can reduce your monthly homeowner’s insurance premium.

Adding motion-sensitive outdoor floodlighting can also reduce your monthly premium as can trimming back bushes away from windows (making it more difficult for burglars to ply their trade).

Inside your home make certain that you have installed the proper number of smoke and fire detectors for the size and layout of your home and make sure they all have fresh batteries at least twice each year. Many people make a habit of replacing the batteries in their smoke and fire detectors every time they switch their clocks forward or backward an hour.

Buy a kitchen-rated fire extinguisher for your kitchen and mount it in a convenient place.

Keep your credit rating clean. Believe it or not, your credit rating affects how much you pay for your homeowner’s insurance. The higher your credit score the lower your monthly homeowner’s insurance premium.

If you have multiple insurance policies, such as auto and health with the same insurance company you should qualify for a special Multi-Policy Discount.

If you’ve been with the same insurance company for at least 5 years talk to your agent about a Long-Term Policy Discount on your Homeowner’s insurance.

If you can afford to install a home security system that monitors your home 24/7 for fire and burglary you could save a considerable amount on your insurance premium each month, but be sure to consult your agent before purchasing any such system as some systems qualify for a much larger discount than other systems.

If anyone in your household is 55 or older and retired you could be due another discount on your premium.

How long has it been since you reviewed your deductible? If you can afford to increase your deductible then you can save a good deal each year on your premium payments.

O.K., that should be enough for you to put together a homeowner’s policy that saves you money month after month, year after year. All that’s left now is to get online and find at least 3 different websites that allow you to compare the cost of your super-policy between different insurance companies and you’ll be all set.

Take the extra time to make your comparisons on at least 3 different websites so you can be certain that you are seeing the prices of all the different insurance companies here in Florida. Once you’ve done that then you can rest easy at night in the knowledge that you have gotten the very best rates on homeowner’s insurance here in Florida.

How To Get Cheap Homeowner’s Insurance Online In Iowa

How To Get Cheap Homeowner’s Insurance Online In Iowa

It would be easy to tell you to just jump online, find one of the many sites that allow you to make comparisons of the prices of homeowner’s insurance policies from a variety of different insurance companies and be done with it.

Unfortunately doing that will not necessarily get you the cheapest homeowner’s insurance that you can find online in Iowa.

The good news is, the steps you need to take before getting online to look for your cheap homeowner’s policy are all relatively easy to take.

Let’s start with smoking. If you smoke you are going to pay more for your homeowner’s insurance. It’s that simple. You need to stop smoking if you want to get the best possible rates. If you already have a homeowner’s insurance policy and you were a smoker at the time you took out the policy but you have since quit, you need to let your agent know as you will be in line for a rather nice reduction in your monthly premiums.

Do you have other insurance policies – auto insurance or health insurance for instance – with the same insurance company? If so you should be getting a multi-policy discount.

Similarly, if you have had your policy with the same company for 5 or 6 years you need to ask your agent if you qualify for a Long-Term Discount.

Keep your credit rating good. Many people are not aware that the monthly premium you pay for your homeowner’s insurance is based, in part, on your credit score. The better your credit score the less you will pay each month for your homeowner’s insurance.

If your home is more than 10 years old talk to your agent about the savings you could receive if you were to up-grade the plumbing or the electrical system.

Fire danger is a big part of the monthly premium you pay for your policy, so clearing all brush and weeds ten feet away from all structures on your property can often lower your premium.

If you can afford to install a sprinkler system or a monitored home protection system that reports fire and burglaries to the authorities 24/7 you could be entitled to as much as a 30% reduction in your monthly homeowner’s premium, but talk to your agent before installing such a system as not all systems receive the same discount.

Install motion-sensitive outdoor floodlights to discourage burglars, and trim bushes away from all windows to further discourage home break-ins.

Install deadbolt locks on all exterior doors and make certain that all windows, even those on upper stories, have a working lock.

Install the proper number of fire and smoke detectors for the size and layout of your home and make certain that all of them are in working order. Change batteries twice yearly at the same time that clocks are set forward or backward an hour.

Buy a fire extinguisher that is specially designed for kitchen fires and keep it handy in your kitchen.

When setting the value of your policy make certain that it is enough to rebuild your home from the foundation up and that it is sufficient to replace all of your belongings – but don’t make the mistake of insuring the land under your home.

Can you afford a bigger deductible on your policy? Consider this question carefully as you will be asked to come up with the cash to cover your deductible if you ever have a claim. Doubling your deductible from 0 to ,000 can greatly reduce your monthly premium payment.

O.K., now that you know what you are looking for in a policy – how you can structure a policy to save you the most money each month – it’s time for you to get online and start making comparisons on at least 3 of the websites that allow you to compare homeowner’s insurance policies and prices here in Iowa.

Be sure to take the extra time to make your comparisons on multiple sites (at least 3 different websites) if you really and truly want to get cheap homeowner’s insurance online here in Iowa, since no one website compares all of the different insurance companies operating in the state.

How To Get Affordable Homeowner’s Insurance In Iowa

How To Get Affordable Homeowner’s Insurance In Iowa

Your home is probably your largest investment and your most priceless asset and because it is you probably have homeowner’s insurance to protect your pride and joy.

But whether you have homeowner’s insurance because you want to protect your home and its contents or whether it’s because your lender insists that you purchase insurance, the simple fact remains that you still want to get affordable homeowner’s insurance here in Iowa.

The good news is, you can – and the steps you need to take to lower your monthly payments are within reach of almost any homeowner.

Start with your credit score. If you want the best rates possible on your homeowner’s insurance you can start by keeping your credit in excellent shape. Surprisingly the size of your monthly premium payment is based in part on your credit score – the better your credit score the lower your homeowner’s insurance payment.

Don’t smoke. Smoker’s pay more for homeowner’s insurance than non-smokers. If you smoked when you first took out your homeowner’s policy but you have since quit, then you need to talk with your agent and see about getting your premium reduced.

A large part of your homeowner’s insurance premium is based upon the level of fire danger to your house. Cut weeds and brush back at least ten feet from any structure on your property to reduce the fire risk – and to reduce your monthly insurance premium.

Motion sensitive outdoor floodlights are a great way to make you home less appealing to burglars but more appealing to your homeowner’s insurance company. Along the same lines you need to trim all bushes away from windows to further discourage burglars.

If you can afford a sprinkler system and/or a home security system that is monitored 24/7 for both fire as well as burglary you may be in line for a reduction in your homeowner’s insurance premiums of as much as 20% to sometimes 30% — but be sure to tell your insurance agent which system you’re planning to install before you sign any contracts.

All exterior doors need a working deadbolt lock and all windows, regardless of which floor they are on, need a working lock – and you need to get in the habit of locking your home securely even if you are only going out for a “minute.”

Upgrading the electrical and plumbing systems in a home more than 10 years old can result in a substantial savings each month on your insurance premium. Be certain to let your agent know any time you make a repair or upgrade to your home.

Make sure that you have installed the required number of smoke and fire detectors for your size home and make certain each one of them is working properly. Don’t forget to change the batteries in your detectors at least twice each year.

Finally, purchase a fire extinguisher specially designed for kitchen fires and mount it where it can be easily reached in case of a fire.

You’ve now done most everything you can to reduce the size of your monthly homeowner’s insurance bill. Now it’s time to go online and find at least 3 different websites that let you quickly and easily compare homeowner’s insurance policies and prices side-by-side.

Be sure to take the time to make your comparisons on at least 3 different websites; that way you can be certain that you are seeing price quotes from every insurance company writing homeowner’s policies in Iowa and you can rest easy knowing that you have gotten the most affordable homeowner’s insurance that you could possibly find.

How To Get Affordable Homeowner’s Insurance In Alabama

How To Get Affordable Homeowner’s Insurance In Alabama

If you have a mortgage on your home it will come as no surprise to you that your lender requires you to purchase homeowner’s insurance. But did you know that almost 90% of Alabama homeowner’s who own their homes free and clear still choose to purchase homeowner’s insurance?

The reason isn’t difficult to figure out. For most people their home is their biggest and most prized asset and they simply want to do whatever they can to protect that asset. And well they should.

On the other hand there’s no benefit to paying any more for homeowner’s insurance than necessary and so many people are looking for ways to get affordable homeowner’s insurance here in Alabama.

Remember, too, that while your lender has every right to insist that you purchase homeowner’s insurance, your mortgage company cannot legally force you to buy insurance from any particular company. And that is your key to finding affordable homeowner’s insurance.

There are several things you can do that will drive down the cost of your insurance each month.

For example, did you know that if you have a retired person living in your home that you may be entitled to a break on your insurance?

Did you know that your credit score affects how much you pay each month for your insurance? It does. So keep your credit good and your credit score high, because the better your credit score the less you pay for your insurance each month.

Did you know that the biggest reason for a homeowner’s insurance claim is not fire, but water damage? The biggest culprit is either a broken water pipe or a broken appliance connection that floods the house at night or when the home is empty during the day.

Ask your agent how much you could save if you made the one-time investment to upgrade your home’s plumbing and wiring. If the numbers make sense, then go ahead.

Install outdoor floodlights that are motion-controlled and also trim back all bushes away from windows to discourage burglars. Install deadbolt locks on all exterior doors and make certain that every single window has a working lock.

A 24/7 home security system that’s monitored off-site not only helps to protect you from both fire as well as burglary, it can also save you 20% or sometimes more on your homeowner’s insurance – but talk to your agent before installing a system as not all systems merit the full discount on your monthly premium.

Purchasing a kitchen-rated fire extinguisher for your kitchen and installing a full compliment of fire and smoke detectors will also help keep your monthly premium cost down.

Now, taking what you have learned in this article go to 3 different websites that allow you to compare the prices of homeowner’s insurance policies from different insurance companies. Input the same information onto 3 of these websites and then find the company that has the lowest price and which you feel confident will be around for at least another 30 years.

And you’re done. You have now gotten affordable homeowner’s insurance here in Alabama and you can feel confident that you will be saving money month after month and year after year.

Can Your Home Insurance Stand Up To The Weather?

Can Your Home Insurance Stand Up To The Weather?

In 2004, the insurance industry estimated that about 45% of their settled claims were for damages caused by weather. This past January, that percentage climbed as high as 60%, with a possible £300 million worth of damages being claimed by homeowners for weather related incidents.

Is your home covered against damage from high winds? Will your insurance company pay out to repair damage caused when your plumbing freezes? How much will you have to pay out of pocket for repairs if heavy snow takes out your rain gutters or damages your roof?

If you’re not sure of the answers to those questions, it might prove enlightening to pull out your home insurance policy and have a read. According to an industry spokesman, too many homeowners find out what their buildings insurance does and doesn’t cover after they have incurred a loss and submitted a claim. That’s the case for many homeowners who suffered damage to their homes during the high winds of the past January who found, to their shock, that they’d be bearing the brunt of the repair bills from their own pockets.

In fact, the most recent figures suggest that over one third of homeowners have no home insurance at all, and many more are paying out for policies that don’t adequately cover the damages that they might face from adverse weather.

Home insurance policies vary widely on precisely what weather damage they cover, and how much you’re expected to pay out before the insurance company will pay its share. That’s why it’s important to sit down with your policy or your broker – or both – to discuss precisely how much coverage you have for weather-related damages, and if there are limits and exclusions to that cover. Some of the most common exclusions and limits include:

Damage from floods

If you live in an area with a high possibility of flooding, you may need to purchase separate cover to deal with damage from flooding. It’s vital that you not neglect this, say insurance spokesmen. The cost of repairing damage after a flood can easily run to £30,000 or more. Compare that to the average weather related claim of about £500.

Water damage from burst pipes

Watch for limits on the amount of damages you can claim if your pipes freeze and burst. A burst pipe in your loft can quickly damage walls and ceilings, and result in unhealthy growth of mold and mildew if not cleaned properly. The cost of all those repairs can easily and quickly mount above typical limits on damages.

Contents cover

If you only have buildings insurance, you may find yourself out of luck when damage to your roof results in the destruction of your expensive draperies, carpets and furnishings. Even if you carry cover for your home contents, you may want to carry extra insurance if you own expensive items like Oriental rugs or fine artwork.

Outdoor and garden items

Many policies only cover items inside your home from weather damage, while other policies will even pay to replace plants damaged by storms in severe weather. If you’re an avid gardener, or have outdoor patio and yard equipment, consider a policy that includes garden cover.

Be sure to review your policy periodically to be certain that you’ve kept it up to date, especially when you make new purchases or add an extension to your home.

Get A Cheap Home Owner Insurance Quote

Get A Cheap Home Owner Insurance Quote

Home owner insurance is not always required. If you live in a home you own out right, with no lenders or financers you probably are not required to purchase a home owner’s insurance policy. Therefore, you can avoid that extra insurance bill every month. Good for you, right? Wrong.

Home owner’s insurance may seem like just another monthly bill; however, if you find yourself in a situation in which you’ve been robbed or your home has suffered water damage, fire damage, or any kind of damage from weather elements, those extra monthly insurance bills will suddenly seem like a wise idea. And, if your neighbor comes knocking at your door one day, only to fall down an icy stoop? Well, those extra monthly insurance bills will suddenly seem like an even wiser idea.

So, how can you get a cheap home owner insurance quote to protect yourself from tragedies and accidents? It’s simple, really – you just need to know how to cut corners; and I don’t been in a Scrooge-like, penny pinching way.

First, make indoor home improvements. This means checking out your electrical system, which could make your home a fire hazard, and plumbing system, which could make your home susceptible to water damage. Consider installing durable windows and sturdier locks. A safety alarm system isn’t a bad idea, either.

Next, make some outdoor home improvements. Fix any creaky steps, loose stones or concrete in your walkway, loose shutters and shingles, and get rid of any scrap metal you plan to build something with, but neighborhood kid might want to use as a plaything.

Finally, store all of your very precious and irreplaceable valuables in a safety deposit box in the bank. Period.

Making these safety changes will show home owner insurance companies you’re serious about keeping your home, your family, your valuables, and your visitors safe, thus encouraging them to give you a cheap home owner insurance quote.

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