I will, nevertheless, only make recommendations that will save you much while you still maintain the right coverage...



1. Having window locks on all your windows will help reduce your home's risk of burglary. You'll save even a lot more if you go one step more to get burglary-proof bars fitted on all of them.

If you're not one of those folks who feel so uncomfortable with such, they'll help you get considerable discounts. Have them fitted and you'll lower your home insurance rate considerably.

2. Do regular checks on your plumbing and upgrade once it becomes necessary. The fact that the predominant claim on a homeowner's insurance policy is water damage should tell you something.

This means that if you can take steps to lower or remove the risk of water damage, you will bring down your home insurance rate. And do not forget to tell your agent if you upgrade your plumbing.

3. Cut down on your homeowners' liability coverage while you get an umbrella policy instead and you will bring down your rate substantially. The added advantage here is that although you will spend much less, you will also receive superior coverage.

You buy home liability coverage to ensure you do NOT incur losses on account of injury to someone on your property. It should also cover lawsuits that might be occasioned by this. But like every other thing in insurance, there's a limit to the amount that is covered and your home liability coverage might not be enough.

On the other hand, there are hardly (if any) lawsuits that an umbrella insurance policy won't protect you from totally.

4. There are exclusions in your home insurance policy. Have you taken note of them? Those are things that the policy does not give coverage for.

Before you rejoice about that low-priced offer, make sure the exclusions section does not slash off things that you need. However affordable a policy is, it loses its purpose if it doesn't provide enough coverage.

Before buying, ensure you understand what isn't covered to avoid rude surprises.

5. The level to which you strengthen your roof could get you a discount. This applies more to those who live in the East where high winds are more common.

Your agent should be able to state steps that you should take if you intend to have a discount this way.

6. As you do these other things to bring down your home premium, here's what to do to get lower rates now. Visit good insurance quotes sites and request for quotes. Visit at least five of such sites for the best results.

All you have to do is complete a short form or questionnaire that will enable them give you the right quotes. It's that easy.

You'll have to pick the best home insurance quote for you from the list of quotes received. That's all there is to it. But you could realize savings of hundreds of dollars this way.