lmost every homeowner determining how much you pay for
chooses to buy homeowner's your homeowner's insurance.
insurance. After all, how Making your home less of a target
many homeowners out there don't for burglars will reduce how much
want to feel safe and secure each you pay. There are several things
night, knowing that their most you can do to make your home
valuable asset - their home - is safer.
protected?
Let's start by trimming back
Even though almost every bushes from around windows so
homeowner chooses to buy burglars have no place to hide.
homeowner's insurance, that Then let's install
doesn't mean that any homeowner motion-sensitive floodlighting.
wants to pay more for their Next we'll check every single
protection than they have to.
exterior door and make certain
So let's see if we can that it has a deadbolt - and
discover a few things that almost we'll see to it that all windows
any homeowner can do to reduce have a working lock.
the amount they pay for their
Accident-spawned lawsuits are
homeowner's insurance.
also included in the cost of your
Let's start with something insurance. Let's repair all
that most people never even cracked and buckled concrete and
connect with their homeowner's fill in all potholes anywhere on
insurance - their credit rating. the property. Let's also replace
That's right - your credit rating all lose and rotting floorboards
affects how much you pay every on porches and decks and make
month for your homeowner's sure that all railings are tight
insurance, so use credit wisely and secure.
and keep your credit score as
If your home is over ten years
high as possible.
old a portion of your monthly
Burglary plays a role in premium goes toward insuring
against the possibility of water required number of smoke and fire
damage caused by broken water detectors installed and that they
pipes or faulty connections to each have a fresh battery.
appliances. Ask your agent how Batteries need to be changed
much of a continuing savings you twice yearly.
will realize if you make a
Pay your premiums yearly
one-time investment in upgrading rather than monthly. If you
your plumbing and electrical cannot afford to pay yearly then
systems. It could be that making have your payments made
the upgrade will pay off in the automatically each month.
long run.
Increase your deductible. If
A 24/7 home protection system you can afford to increase your
that is monitored off-site for deductible you will save money on
fire, carbon monoxide and your premium payment each and
burglary can not only make you every month. However, keep in
and your family feel safer, but mind that your deductible
it could also save you 20% or represents cash out of pocket
even more on your homeowner's that you will have to find
insurance each and every month. yourself if you ever have a
Talk to your agent before claim.
deciding on a system, however, as
Keep in mind that most
some systems qualify for a larger standard homeowner's policies
deduction than others.
have restrictions as to how much
If you have a home-based they will pay for wind damage. If
business talk to your tax advisor wind damage is a concern talk to
and see if any portion of a home your agent and see what remedies
security system could be written are available to you. Also, no
off of your taxes - for an even standard homeowner's policy
greater savings!
covers you for flood damage. If
Make certain that you have the flooding is a concern you will
need to purchase flood insurance type="text/javascript">
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