Getting quality home insurance for a lot less than you're paying at the moment is not as difficult as you think.
Here are five tips that will help you make it happen sooner than you thought...
1.
Some security and fire systems are monitored 24/7.
Not only will you get a considerable discount, you will also feel safer once you remember that your house is constantly monitored.
Notwithstanding that the discount this will attract will differ from one insurer to another, you can expect to bring down your home insurance rate by as much as 25%.
2.
Have you stayed with your home insurer for up to 3 years? Then make a demand for a loyalty discount.
Most companies will give discounts once you maintain your policy with them for three years and above.
However, do NOT remain with an insurer just for this reason.
Make sure you are enjoying a good price to value.
If it's about paying less, you will almost always be able to pay lower than you're paying at any point in time.
Do shop extensively and you'll be pleasantly surprised.
Get quotes from any highly rated home insurance company you know you've never obtained one from and as well always get and compare home insurance quotes from up to five quotes sites about twice every year.
3.
Having a smoker in your household will raise your premium substantially.
With over 23,000 residential fires being caused by smoking you'll agree that it's really a serious issue.
Do all within your power to make sure nobody smokes in your home and you'll attract more affordable rates.
If you were a smoker at the time you purchased your policy, you are eligible for a review if you've quit.
If your insurer refuses to lower your rate after you have quit, go to another insurer.
4.
Do NOT leave ladders in places where anyone can easily use them.
You might be helping thieves with the very equipment they need for their operation.
In the same vein, do NOT forget your tools or machinery on the lawn.
Thieves will have an easier time breaking into a household that hands them such assistance.
Keep them away safely and you'll be avoiding a high rate.
5.
Visit at least five insurance quotes sites.
Using a minimum of five quotes sites increase the chances that you'd receive better home insurance quotes.
This is because insurers not covered by one site would be represented by another.
And, you should understand that since your chances of getting lower home insurance quotes has to do with the range of quotes you obtain, the more insurance companies you obtain quotes from, the brighter your chances will be.
Requesting for your home insurance quotes online will help you save a bundle if you sacrifice around 25 minutes to ask for quotes from a minimum of five quotes sites.