Easy Steps Every Homeowner Can Take to Save 20% or More on Their Homeowners Insurance by Mike McDonough
You don't have to be some kind of construction expert or security professional to make your home as safe as possible and save yourself 20% or more on your homeowners insurance. In fact, saving money on your homeowners insurance is surprisingly simple. If you can save your homeowners insurance provider money, they're going to return the favor. That's why following these simple steps to protect your home and lower your premiums will pay off in big savings down the road:
1) Put new locks on your doors. If you bought a house from someone who didn't want to invest huge amounts of money in their home security (or you're living in a low income apartment where most of the money goes toward paying management's salary rather than keeping the apartments in good condition) you've probably got a $10 department store special keeping out the things that go bump in the night-and those things are going to be able to "bump" your door right open, come in and help themselves. It's well worth the investment to pick up locks that can be counted on to do what they're supposed to.
2) Take b
asic safety precautions. If you have an old home,
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3) Dig for discounts,
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today's homeowners insurance providers. For example, if you're retired and home most of the day you might be able to pick up a discount because you're there to quickly take action in case of emergency. Also, in the interest of expanding their consumer base many insurers will work hand in hand to offer special discounts to members of certain organizations. Talk to your employer and/or administrator to find out what's available to you.
4) Check your policy limits,
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5) Shop around. Yes, it's a hassle. Yes, it takes up time you don't have. No, you don't really want to do it. Those arguments aside, shopping around for homeowners insurance to find out who's going to give you the best deal is the smartest thing you could do for your insurance premiums.
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