Maintain your old Siemens Hipath system

7 Sure-fire Ways of Reducing Your Home Insurance Premium

Home security improvement:

All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums.

When possible, choose a higher deductible:

To reduce your premium, it is best advised to increase the deductible to the extent you can afford. Your home insurance premium will fall by as much as 20% if you increase the deductible from $200 to $1000.

Multiple insurance ? Same provider:

If you consolidate your home insurance and auto insurance with one insurance company, expect a premium reduction between 10 ? 15%. This also means you are making one payment for all your insurance needs. Consolidate and win.

Discount for non-smokers:

Some home insurance companies will offer a non-smoker discount to the tune of 15%. Check with your insurance company if they offer a non-smokers discount.

How far is the fire station?

If you live more than 5 miles from the nearest fire station and more than 1,000 feet from a fire hydrant, you can expect a higher premium. Also if you live in the country, you will probably pay higher insurance rate than if you were living in the city.

Type of construction:

The construction type of your home also plays an important role in determining your insurance premium. A wood frame home will cost more to insure than the one built mostly of concrete.

Claims free record and renewal discounts:

If you have not had a claim under your current home owners policy for the past 3-5 years, you will get a 15% discount on your premium. Expect additional discount if your policy has been in force with the same insurance company for 3 years or more.

Conclusion:

I am hopeful you have gained preliminary knowledge on the subject of home insurance premiums. With these helpful tips you will be able to understand and demand discounts on your home insurance premiums. Good Luck!

Copyrights 2005 - Bill A Smith is an insurance agent and insurance advisor for Sunshine home and auto insurance services. Bill has over 10 years of experience in providing insurance services to clients.

In The News:

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Wed, 19 Sep 2018 03:55:00 +0100
North Korea dictator Kim Jong Un has vowed to permanently dismantle a missile test site and a launch pad after talks with South Korea.

Merkel removes spy chief to quell racism row
Tue, 18 Sep 2018 21:16:00 +0100
Germany's leader Angela Merkel has removed her spy chief to end a row over immigration which threatened to destroy her fragile coalition.

Brett Kavanaugh accuser 'faces death threats'
Mon, 17 Sep 2018 18:04:00 +0100
A woman who accused US Supreme Court nominee Brett Kavanaugh of sexual assault says she has faced death threats and has called on the FBI to investigate her allegations.

Russia blames Israel after Syria shoots down plane
Tue, 18 Sep 2018 06:27:00 +0100
Russia has blamed Israel and threatened retaliation after one of its military planes was shot down by Syrian missiles in a "friendly-fire" incident.

China retaliates in Trump trade war escalation
Mon, 17 Sep 2018 23:41:00 +0100
China has announced a series of retaliatory tariffs on $60bn (£45.6bn) of US imports after Donald Trump raised the stakes in his trade war with Beijing.



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