Contrary to what you might have heard, you don't really need to do very exceptional things in order to get the cheapest policy that meets your needs. Just knowing some compulsory things and using them will make a huge difference. Let's examine some of them in this article...
1. Motion-sensitive lighting lowers your home's risk of burglary and, therefore, makes it easier for you to get lower home insurance Wisconsin home owner insurance rates. Your home becomes less attractive to thieves since they'll be noticed easily. The risk of burglary is a key factor in calculating a home's risk to an insurer and, by extension, your premium.
2. Do NOT leave ladders in places where anybody can easily use them. Doing this would be making a burglar's job much easier. Don't also leave your tools, machinery or such on the lawn or anywhere in the open as they could cause accidental injury and increase your liability claims. Like ladders, tools and such could aid a burglar in breaking into your house. All such things will ultimately add to rate if you do not keep them in the properly.
3. Make sure you do NOT forget to subtract the land's worth from your home's cost as you apply for a home insurance policy. People do this without knowing. They just insure their home for its full value without subtracting the land's cost.
If you did such ignorantly, you need to re-evaluate your home insurance coverage and go through it again with your agent. Deduct the land's value and you will realize that you will need far less coverage.
Doing this will reduce your premiums by a huge margin and still have adequate home insurance coverage. No matter what you do and who you meet, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.
4. You'll pay more affordable premiums if you elect to pay your Wisconsin house insurance rates anually and not monthly. This is because posting twelve bills by mail monthly costs your insurer much.
The cost shoots up if you include the fact that they pay transaction charges for processing each check you give them monthly as payment. They pay transaction charges 12 times instead of once anually for monthly premiums. These and other charges so incurred by your insurance company are eventually paid by you, the policy holder..
Therefore choose yearly payments instead if you want to save through this means. You could save up to a month's premium within a year.
5. Having your premium deducted automatically from your account will result in more affordable premiums. All you have to do is to advise your bank or credit card company to send your premiums at certain periods automatically until told to stop. This is recommended because of how easy it is and the fact that it gets you a discount.
6. Take out some time to visit a minimum of five insurance quotes sites that offer quotes on home insurance policies. It will require around 25 minutes. As you visit each quotes site, make sure you input the same information. Doing otherwise will give you misleading quotes. When you've obtained 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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