1.
A report has it that dog bites account for over $1 billion in liability claims annually (That's about 33% of all liability claims annually).
This should tell you that if you have a dog or dogs your home insurance rates will higher than someone who doesn't.
You can save yourself such expense by ensuring your dogs are always kept in such a place where they can do visitors to your home or passersby no harm.
2.
Shatter-proof windows will get you some savings in home insurance.
So replace your regular windows with these especially if you live in places that are prone to high winds and hail storms.
And when you do, don't forget to tell your agent.
It may be wiser to discuss this with your agent first to get an idea of what savings you can get if you undertake this before you start off in the first place.
3.
You need to make plans for deductibles.
Yes, they are usually different from state to state.
And the rule of thumb is that the more predominant a peril is in a state, the higher the deductibles such a peril will attract in that state.
To give you an example, earthquakes are common perils in California and the deductibles for earthquakes are far higher in California than Florida which is more prone to wind and water damages.
The reason to ensure you have plans on ground is that your insurer will be under no obligation to pay out according to your home policy terms unless you pay the deductible.
So always make sure you know what it is for each peril and prepare accordingly.
Home insurance is about protection so make sure you take this simple but pain-saving step.
4.
Everyone wants to have a beautiful swimming pool in their property.
However, they'll raise your home insurance rates substantially especially if you don't have a fence round it.
While I won't tell you to NOT have a swimming pool on your property, make sure you take all necessary precautions and have protective measures.
Doing otherwise will make you pay much higher home insurance rates.
5.
Different home insurance carriers will offer you different rates for the same coverage.
Therefore, you'll save a lot in home insurance if you get and compare many quotes from as many insurance companies as you can.
I recommend that you get and compare home insurance quotes from up to five or more sites.