Rebuilding Costs: Many people think they only need to insure the house for the amount they bought it. This is not the case. If the home burnt down from a fire, you still have the land. You should have an agent calculate the replacement cost of your home.
Multi-Policy Discounts: In an effort to lower your premium, consider buying auto and homeowners insurance from the same company. Typically they will offer you a multi-policy discount.
Deductible: A deductible is the amount of money you pay on a loss before your insurance company pays the claim. The higher deductible, the more money you can save on the premium. Currently insurance companies recommend a minimum deductible of $500. For a reduction in your premium, ask an agent how much you would save by increasing the deductible amount to $1000.
Home Security: Many insurance companies will offer discounts for smoke detectors and burglar alarms.
Credit Score: More and more insurance companies are using credit scoring to evaluate the premium on homeowners insurance.
InsureMyHouse.com offers a local home insurance agent directory sorted by state and zip code. In addition they have a Learn the Basics section for the sites visitors. Talking to an agent when obtaining an insurance quote is always suggested. It’s recommend you review coverage’s with a home insurance professional by visiting http://www.insuremyhouse.com/
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InsureMyHouse.com provides consumers with an online homeowners insurance agent directory sorted by state and zip code.