When people buy house, usually they also buy house insurance.
Obviously if your house is being financed you have no choice but to purchase
its insurance, but the vast majority of homeowners who have paid off their
house, they still elect to pay for their house insurance each month. For the majority
of people their home represents their largest single investment and their most
valuable asset, so of course they want to protect it. There are several things
you can do that could save you money each and every month on your homeowner’s
insurance premium.
House
insurance could make minor repairs to your property and to your landscaping.
Part of the cost of your homeowner’s policy goes toward protecting you from
potential lawsuits arising from the possibility that someone could be hurt
while on your property – especially if they are injured by something that could
have been foreseen and prevented. Fill in potholes and take care of any other
landscaping needs; repair or replace loose floorboards on porches and decks;
replace or repair loose railings on porches or decks; trim dead or cracked
branches from trees; replace buckled or cracked walkways and whatever else you
can find that will make it less likely that someone could be hurt while on your
property. Call your agent with a list of the work you are thinking of
performing and ask what your savings will be before you do the work – your
agent may have additional ideas.
Home
insurance payment can be reduced by protecting your home from burglars. And
then, you can add a sensitive floodlight around your property. While it’s true
that motion-sensitive lights can be triggered by animals on your property, the
fact remains that burglars do not appreciate these lights in the slightest. At
the same time that you are installing the floodlights, make sure to trim all
bushes away from windows where burglars like to hide.
Make your home, especially its doors and windows, visible
from the street in order to deter burglaries. Stand back from your home and
look at it from the point of view of a burglar and ask yourself how easy does
it appear to get into your home. Make a list of things you intend to do and run
it by your house insurance agent in order to get an idea of how much you could
save. Again, your agent may have even more suggestions. Make changes to reduce
even the possibility of a burglary.
[Source: http://fastcashloansbadcredit1.blogspot.in/2013/04/house-insurance-how-to-make-it-lower.html]
