Are you certain you seriously want lower Wisconsin homeowner insurance rates? If answered "Yes" you need to do everything within your reach to learn as many steps as there are to cheaper rates. Here are proven recommendations that will help you reduce your rate by as much as 50% if you use them right...
1. Smoke and fire dectectors will do much to lower your home's fire risk. You will enjoy more affordable Wisconsin home owner's insurance rates especially if you have fixed enough for your size and type of house. If you have them, always remember to change their batteries twice yearly.
Detectors mean fires are easily spotted and put out before much damage is done. And since the risk of fire in a house is important in calculating home insurance premiums, you will spend far less by taking this step.
2. A group policy will cost you less. You should already know if your employer offers such. It's also a good idea to verify from associations you are part of if they have any group discount from any insurer.
However, before you apply this option, compare the premiums you'll receive through such an association with what you'll pay with another insurer. This is because you may end up finding an insurance company that is ready to take less than you'll even obtain with an group discount. So it actually does pay to do extensive comparison shopping if you are after the best premiums.
3. Fixing special security and fire systems that are monitored 24/7 is a wise step. Apart from the peace of mind you'll have in knowing your home is under constant surveillance by committed professionals, you'll enjoy cheaper Wisconsin homeowners' insurance premiums. Notwithstanding that the savings this will attract will vary from one insurance company to another, you can expect to lower your home insurance rate by as high as 25%.
4. Do you have locks on each of your windows? If you do NOT you will be paying more because of that. You can take this to another level by building in burglary-proof bars on them all. If you have nothing against this have them fitted in your home and get lower rates.
5. A fire-safe home exterior will help lower your rates. Having things that are very inflammable or that aid combustion around your building will make you pay higher premiums. As easy as it seems, cutting back bushes and maintaining them up to 10 feet from your structures will help lower your premiums. The likelihood of a fire in a house is a very strong factor that influences your home insurance rate.
6. You can save a lot of dollars by visiting a minimum of 5 home insurance quotes sites. That way, you will get the lowest Wisconsin home owner insurance quotes available since five sites will present up to 25 quotes altogether.
Here are my favorite quotes sites (highly recommended)...
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