www.websyte.com/subject Web Knowledgebase

Over 46,000 free articles designed to give you useful information on how to save money, make money, improve your health, happiness, and relationships.

7 Sure-fire Ways Of Reducing Your Home Insurance Premium

Google
Web www.websyte.com/subject
Select a Topic

Addiction
Adsense
Adwords
Affiliate
Article
Auction
Auto And Trucks
Auto Insurance
Baby
Bankruptcy
Bathroom
Blog
Business
Business And Finance
Children
Computers And Internet
Cooking
Credit
Dating
Decorating
Depression
Diabetes
Diet
Dog
Dog Training
Domain
Dvd Reviews
Ebay
Education
Email Marketing
Family
Fishing
Food And Drink
Foot
Furniture
Gadgets And Gizmos
Garden
General Interest
Golf
Guitar
Hair
Health
History
Home
Home Business
Home Mortgage
Home Refinance
Home Schooling
How To
Insurance
Internet Marketing
Investing
Ipod
Job
Kids And Teens
Kitchen
Learning
Legal
Make Money
Marketing
Marriage
Massage
Maternity
Menopause
Mortgage
Online Business
Parenting
Party Planning
Pets And Animals
Photography
Real Estate
Refinance
Relationships
Remodeling
Retirement
Rss
Sales
Save
Self Improvement And Motivation
Shopping
Site Promotion
Speaking
Stocks
Success
Sudoku
Tips
Travel
Travel And Leisure
Voip
Wealth
Web Design And Development
Website
Wedding
Women
Work At Home
Writing

By Bill Smith

Home security improvement: All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums. When possible, choose a higher deductible: To reduce your premium, it is best advised to increase the deductible to the extent you can afford. Your home insurance premium will fall by as much as 20% if you increase the deductible from $200 to $1000. Multiple insurance Same provider: If you consolidate your home insurance and auto insurance with one insurance company, expect a premium reduction between 10 15%. This also means you are making one payment for all your insurance needs. Consolidate and win. Discount for non-smokers: Some home insurance companies will offer a non-smoker discount to the tune of 15%. Check with your insurance company if they offer a non-smokers discount. How far is the fire station? If you live more than 5 miles from the nearest fire station and more than 1,000 feet from a fire hydrant, you can expect a higher premium. Also if you live in the country, you will probably pay higher insurance rate than if you were living in the city. Type of construction: The construction type of your home also plays an important role in determining your insurance premium. A wood frame home will cost more to insure than the one built mostly of concrete. Claims free record and renewal discounts: If you have not had a claim under your current home owners policy for the past 3-5 years, you will get a 15% discount on your premium. Expect additional discount if your policy has been in force with the same insurance company for 3 years or more. Conclusion: I am hopeful you have gained preliminary knowledge on the subject of home insurance premiums. With these helpful tips you will be able to understand and demand discounts on your home insurance premiums. Good Luck!

About The Author: "@Copyrights 2005" - Bill A Smith is an insurance agent and insurance advisor for Sunshine home and auto insurance services. Bill has over 10 years of experience in providing insurance services to clients. Sunshine Insurance Services provides auto, home, health and life insurance to businesses and individuals. Visit us at www.sunshineinsuranceservices.com/