Basic Homeowners Insurance – How to Get the Best Rate

and smoke

* Vandalism and theft

Plan Ahead

Your insurance premium is affected by items such as the …

* Location of your home

* Type of construction

* Past claims made on your home

* Your credit rating

Consider all these items before you purchase your home so you won’t be surprised later. You could even have an insurance professional run a quote so you know how much insurance will likely be on a home before you buy it.

Look for Discounts

Insurance companies offer discounts that can help lower your insurance bill. Common homeowner discounts include:

* Non-smokers discounts

* Discounts for safety features such as smoke detectors, fire extinguishers, and sprinkler systems

* Discount for burglar alarm systems, dead-bolt locks, and window locks

* Senior citizen discounts

* Discounts for purchasing your auto and homeowners insurance through the same company

To make sure you get all the discounts your can, ask your insurer if there are any other discounts you qualify for.

Raise Your Deductible

Set your deductible as high as you can – the higher your deductible, the lower your premium. The money you save will eventually