Tips to Save on Alabama Homeowners Insurance

There are always to save money. You just have need the knowledge to get started.
 
Sept. 18, 2009 - PRLog -- Your house is your prized possession. In most cases your house is your largest asset. If someone asked you, "Do you have enough homeowners insurance?" ... would you know? What coverage’s should you have on your homeowners policy? Have you reviewed your policy lately?

Below is a small list of things to consider and have knowledge of when obtaining a homeowners insurance quote.  

Multi Policy Discount – Most insurance companies give you a multi-policy discount if you combine your home and auto insurance.  Sometimes you can save as much as 15 percent on your premium.  

Home Security Systems – If you have a security system installed, not only does this give you peace of mind, but it also lowers your homeowners insurance premium.

Good Credit – Your credit score can effect just about everything you purchase from your home, auto, credit card APR’s and more.  A bad credit score will increase your premium amount.  The reverse is also true.

Increase Your Deductible – This is similar to your auto insurance deductible.  The higher your deductible amount the less expensive your premium will be.  The lower your deductible amount will result in a higher premium amount.  Just be sure you have the right balance of coverage.  Also if something happens make sure you can pay out the deductible amount.  Perhaps set aside a savings account in the event a claim needs to be filed.  

It is always recommended you speak with a local insurance agent in your community who knows what coverage’s you should have and can guide you in the right direction.  To learn more ways to save on your homeowners insurance and to find an agent in your hometown, visit InsureMyHouse.com at 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. Find your local hometown agent today.
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