You don't need to do difficult things in most cases in order to bring down your Colorado home owner insurance rates. It's generally small things that bring about big savings. I'll take some time out in this article to show you some of those things...
1. You will pay less if you have motion-sensitive lighting in your home. Your home becomes less attractive to thieves since they'll be noticed easily. Because thieves keep off from houses with such lighting, you lower your home's risk of burglary and, by extension, your rates.
2. Ensure you don't leave ladders hanging around. Doing this would be making a burglar's job much easier. Do NOT as well let your tools litter around. Thieves will have an easier time breaking into a home that hands them such opportunities. Keeping these things properly will save you a lot of heartaches along with lower premiums.
3. Do not insure your house along with the land it is built on as this is more expensive but needless. People do this ignorantly. Insuring your home for the purchased price without subtracting the the land's cost is a big mistake.
If you made this mistake quickly meet with your agent and check through your home insurance policy. Reduce your coverage to the cost of your home and its contents minus the land's cost.
This means you'll spend a lot less on home insurance. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or destroyed and your land is not one of such.
4. Yearly premium payments will save you much when compared to monthly payments. This is because sending you twelve bills by mail each month costs your insurer much.
Furthermore, each check you send attracts its own transaction fees as well. 12 checks mean 12 transactions and will attract Twelve separate fees.. And, if you really come to think of it, these extra overheads are eventually built into your rates.
As a result, you'll get lower premiums if you decide to pay your rates yearly. The actual amount you could save might differ but you may be able to save up to a month's premium worth with most insurers if you choose this option.
5. Having your premium deducted automatically from your account will result in lower Colorado home owner's insurance rates. All you have to do is to advise your bank or credit card company to send your premiums at certain periods automatically until told otherwise. This is recommended because of how easy it is and the fact that it gets you a discount.
6. You can save a lot of money in home insurance if you obtain and compare home insurance quotes from quotes sites. You will realize savings if you use only one quotes site. But keep this in mind, you will get more by using at least five. The plain reason for this is that you will receive many more home insurance quotes from many more insurance companies. This raises your chances of receiving better offers.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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