Dec 222015
 

Your house isn’t just a house, it is a home for you and your loved ones to share. This is why it is so important to protect your home and pocketbook, by purchasing home owner’s insurance now, instead of waiting for problems to damage your house. Below are a list of tips to help you find the right home owner’s insurance for you.

Reducing your premiums is easy. First, put a security system in. You’ll see that this can actually lower the cost of your insurance by up to 5%! You will need to show proof to your insurance company that you do have one of these, however. Next, have smoke alarms installed in every room. You may realize savings of 10 percent each year in this way.

Fire Suppression

Be sure to review your policy yearly to check and see if there are any discounts available to you. This may result from additions such as a security alarm tied to a monitoring agency, a fire suppression system, and installation of additional fire alarms. There also may be items in your neighborhood that can effect it such as removal of trees or additional fire suppression outlets.

If you have recreational amenities in your backyard such as pools, hot tubs, trampolines, or other contraptions that are likely to cause injury, these can raise your insurance premiums, sometimes by 10 percent or more. Consider this when making a decision about purchasing a property with these things, or adding them to it.

TIP! Paying your mortgage off is the best way to reduce your homeowners insurance costs. Companies hope that those who own their home outright will take better care of it.

Protect your home and family’s finances by getting home owner’s insurance. So many things can hurt or damage a home. Do not leave your home to chance by not getting home owner’s insurance. Use the tips above to find a policy right for you so that you can protect the place you call home.

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