Contrary to all you might have come to expect, you don't really need to do very great things in order to attract the most affordable policy that meets your needs. You may be alarmed to discover that all that's keeping you from far lower Oregon homeowner's insurance rates are minor things you can easily deal with. Following are a good number of tips that will bring you closer to the goal...
1. You'll pay less if you've got motion-sensitive lighting on your property. Burglars naturally do NOT like to operate in any environment they could be easily noticed or caught. The risk of burglary is a key factor in calculating a home's risk to an insurer and, consequently, your rate.
2. Don't leave ladders in areas where someone can easily use them. They might actually help a burglar. In the same vein, don't leave your tools or pieces of equipment on the lawn. just as with ladders, tools and such could aid a thief in breaking into your home. Keeping these things in a safe place will save you many heartaches along with cheaper rates.
3. Do not insure your home along with the land it is built on as this will cost you more but needless. Those who ignorantly do this pay for more insurance than would be of any benefit. Insuring your home for the purchased price without deducting the the land's cost is a big mistake.
If you did such ignorantly, you need to re-evaluate your home insurance coverage and check it again with your agent. Subtract the price of the land and you'll discover that you'll need far less coverage.
This implies that you will pay a lot less on home insurance. No matter what you do and who you meet, bear it in mind that the only things you insure are things that can be lost or damaged and your land is not one of such.
4. Choosing to pay your premiums monthly leads to more expensive premiums than you'd pay if you decide to pay yearly. A major reason for this is the cost an insurer incurs for posting you 12 bills instead of just one each year.
The cost shoots up if you include the fact that they pay transaction fees for processing each check you send them monthly. Twelve checks mean Twelve transactions and will draw 12 separate fees.. And, believe it or not, these extra costs are eventually added to your rates.
You will get reasonable savings if you choose to pay annually. What you will save could be as high as 8.5% of your total monthly premiumss over the course of just one year.
5. Let your insurer be paid your premiums automatically and you will be given a good discount. If you do NOT know how to do this, ask your banker or agent. Apart from being more convenient, you'll receive a discount for this.
6. Take out some time to visit not less than 5 insurance quotes sites that return quotes on home insurance policies. It will require not more than 25 minutes. As you visit each site, ensure you give the same information. Doing otherwise will give you misleading quotes. When you've received your home insurance quotes, compare them to determine which serves your interest best both in price and value.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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