Assurance for HomeYou need it when you do Home Improvement

There’s very little in life that’s quite as exciting as signing on the dotted line to buy your own home. There’s the thrill of picking out furnishings. The joy of realizing you don’t have to have someone else’s permission to paint your walls. The ability to get rid of that ugly gray carpet without anyone putting up a fuss about replacement cost (except for your checking account). And the thrill of the hunt as you go looking for home insurance quotes that will protect your home without annihilating your budget.

Just because you have to have insurance doesn’t mean you have to clean out your bank account trying to pay for it. Here are 10 ways to save big bucks when you go shopping for home insurance quotes.

1. Renovate your home. There’s a reason that older homes are more expensive to insure. Aging wiring, warped boards and wood stoves all put your home at risk for damage from fire, weather and anything else that happens to come along. Updating your systems and bringing your home into the 21st century will do wonders when it comes to saving money on your home insurance quotes.

2. Boost your home’s security. Do you have an electronic home security system? If not, consider installing one. The average person has at least $5,000 worth of “stuff” lying around between electronics, jewelry and antiques. Your insurance company would rather not pay to replace them if they don’t have to.

3. Keep home insurance in mind when you’re shopping for a home. If you’ve already bought your home this advice might be too little, too late; however, proximity to law enforcement, fire hydrants and your local fire department plays a role in response time if there’s an emergency and can save your home before the damage becomes terminal.

4. Stay away from neighborhoods with a high crime rate. You don’t always get to pick where you live, but moving somewhere with a high crime rate almost guarantees that sooner or later, you’ll be filing an insurance claim.

5. Raise your deductible. Ideally, insurance will be something you never have to use. In reality, very few people actually turn to their insurance unless they’ve lost thousands of dollars worth of property. In that case, a $1,000 deductible instead of a $200-500 deductible makes perfect sense, and it can save you big time on home insurance quotes.

6. Your mortgage does not necessarily equal the cost to rebuild your house and/or outbuildings. Remember, when you bought your house you bought the land too. That doesn’t need to be insured, but if you lump it in with the cost of your home you’re going to be paying too much for your insurance.

7. Ask for home insurance quotes from your auto insurer. Many companies will offer you a discount if you have multiple policies through them.

8. How good is your credit? Yes, that’s right, you’ve been reduced to a number. Again.Home insurance companies look at your credit rating when they’re calculating your insurance rates. Good credit=lower insurance rates.

9. Protect your home from Mother Nature. Since Mother Nature has no respect for things like home security or personal space, invest in good storm drains, double paned windows, storm shutters and good roofing materials to keep your home in one piece when the wind starts to blow.

10. Shop around! Every home insurance company in the region wants your business. Make the spirit of competition work in your favor! Let them start bidding against each other and watch your home insurance quotes drop almost instantly.

So whenever you need home insurance make sure you choose it wisely.

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