Cheapest Homeowner Insurance Rates -- Smart Ways To Save Much More

Anyone who uses time-tested advice will easily get cheaper homeowner insurance rates without sacrificing sufficient coverage It's as well necessary that I point out that there are ways that might put you at risk even if they help you make savings for now. Here are some time-tested ways to get cheaper rates without putting yourself at risk...

1. A fire-safe home exterior will help lower your rates. Having things that are quite inflammable or that aid combustion around your dwelling will make you pay more expensive premiums. Bushes near your house should be cut and maintained at a distance of at least ten feet from your structure. This is because how fire-safe a house is goes a long way in determining what it will cost to insure that home.

2. You'll get cheaper rates if you have motion-sensitive lighting in your home. Your house becomes a no-go area for thieves since they'll be spotted easily. The risk of burglary is a key factor in calculating a home's risk to an insurance company and, consequently, your premium.

3. Having dead-bolt locks on every exterior door will reduce your homeowner insurance rate. It's more difficult for burglars to operate in homes that have these locks. And as you know, the less the risk of burglary in a house, the cheaper rates it will attract.

4. You can bring down your homeowner insurance costs by obtaining and comparing quotes from at least five reputable insurance quotes sites.

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