Have you succeeded in your quest to bring down your Kansas house insurance rate? Did you just give up after using the few tips you learnt years ago? Are you really certain you've learnt all the ways there are to save considerably? I've got many more time-tested tips here...
1. Make sure you have fire extinguishers in your house at important points or close to all fire sources. For instance, your kitchen must have a standard and working fire extinguisher. And do ensure that it is such that is adequate for the kitchen in question.
And, always remember that you must make them very easily accessible. This may seem insignificant but you'll pay more if you don't have them in your home.
2. You will receive cheaper premiums if you maintain your home regularly. Do you have dead branches on trees on your property? They are capable of raising a liability issue. Such routine maintenance will take little from you but save you a lot over time.
3. Don't insure your house along with the land it is standing on as this will cost you more but very unnecessary. People who ignorantly do this pay for more insurance than would be of any benefit. Insuring your home for the full price you bought it without deducting the cost of the land it stands on is a big mistake.
For folks who have ignorantly done this, meet with your agent and check your Kansas home owner's insurance coverage again. Lower your Kansas homeowner's insurance coverage to the worth of your house and its contents minus the worth of the land.
This means you will pay far less on home insurance. Bear it in mind that insuring the land your house is standing on is real waste of money since it does give you any added advantage.
4. A swimming pool is surely one important feature that makes it a dream home. But as far as your home insurance company is concerned it raises a home's risk and therefore gets more expensive rates.
Despite the fact that you will get higher rates if you have a swimming pool, you can reduce what you'll pay by having a fence around it or taking other safety precautions.
5. Take out some time to visit at least 5 insurance quotes sites that provide quotes on home insurance policies. Doing this will require around 25 minutes.
While you visit each site, ensure you give the same information. Doing otherwise will produce misleading quotes. After you've received your home insurance quotes, compare them to determine which serves your interest best in price/value.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
Subscribe to:
Post Comments (Atom)
No comments:
Post a Comment