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Affordable Home Insurance - Being Very Careful While Making Massive Savings

Published Wednesday, September 3, 2008 by bloggerblognet83460 | E-mail this post

Affordable home insurance: There are little actions that will really help you get the right coverage at lower rates. Do you know those things? Let's look at a few here...

1. Verify an insurance company's rating and don't be deceived by just low rates. It is one thing to pay your premiums diligently and another thing for an insurance company to abide by policy terms. It's very important that you take the time to first check with your state's department of insurance website or its equivalent. You can easily verify an insurer's rating there (and even if they even licensed to offer insurance in your state).

Independent bodies like BBB, A.M Best Company, Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. will also give you information that will help you determine if an insurer is worth it.

2. Upgrading your plumbing is a good precaution against water damages. Of all home insurance claims, water damage is the most predominant. So, things that lower your risk of water damage will lower your home insurance rate. Tell your agent if you've improved your plumbing.

3. Dog bites are responsible for 33% of all liability claims and cost insurers over $1 billion annually. This justifies the much higher rates that dog owners usually get. You can save yourself such high rates by making sure that your dogs are always kept at locations where they can do visitors to your home or passersby no harm.

4. Make sure you have fire extinguishers in your house at very strategic points or close to all fire sources. If you don't have any other place, make sure your kitchen has one. You must as well make sure it's the best for your kind and size of kitchen.

And, do NOT forget that you must keep them within easy reach. Doing this will help you lower your premiums.

5. Get an umbrella policy and cut down your homeowners' liability coverage. You spend far less for superior coverage from liability claims this way.

Home liability coverage is to cater for those who get injured on your property. Lawsuits that may arise from any injury claims are as well catered for. Nevertheless, every liability coverage has limits that may be insufficient to deal with some lawsuits.

Nevertheless, there are hardly (if any) lawsuits that an umbrella insurance policy won't give you coverage from totally.

6. Visit a minimum of five insurance quotes sites. Requesting quotes from a minimum of five quotes sites increase the chances that you would get more affordable home insurance quotes. This is because insurers not represented by one site will be covered by another.

Moreover, you should understand that because the likelihood of receiving lower home insurance quotes is proportional the number of quotes you get, the more insurers you receive quotes from, the brighter your chances will be. Obtaining your home insurance quotes online will help you save much more if you take out just 25 minutes to get quotes from at least 5 insurance quotes sites.

Here are recommended pages for home insurance quotes...

InsureMe Home Insurance Quotes

Home Insurance Quotes

Chimezirim Odimba writes on insurance.

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