The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on basic homeowners insurance.
Your house is not only your home, it's also an investment that you should protect with the best homeowners insurance you can afford. Here's what basic homeowners insurance covers and how can you get the best rate.
What Basic Homeowners Insurance Covers
Basic homeowners insurance covers your home and your personal property against damage from:
* Aircraft and automobiles
* Wind, hail, and lightning
* Explosions and plumbing leaks
* Riots and civil unrest
* Fire and smoke
* Vandalism and theft
Plan Ahead
Your insurance premium is affected by items such as the ...
* Location of your home
* Type of construction
* Past claims made on your home
* Your credit rating
Consider all these items before you purchase your home so you won’t be surprised later. You could even have an insurance professional run a quote so you know how much insurance will likely be on a home before you buy it.
Look for Discounts
Insurance companies offer discounts that can help lower your insurance bill. Common homeowner discounts include:
* Non-smokers discounts
* Discounts for safety features such as smoke detectors, fire extinguishers, and sprinkler systems
* Discount for burglar alarm systems, dead-bolt locks, and window locks
* Senior citizen discounts
* Discounts for purchasing your auto and homeowners insurance through the same company
To make sure you get all the discounts your can, ask your insurer if there are any other discounts you qualify for.
Raise Your Deductible
Set your deductible as high as you can – the higher your deductible, the lower your premium. The money you save will eventually surpass the amount of your deductible.
Shop Around
You can save a lot on your basic homeowners insurance just by shopping around and making sure you are getting the best rate. Do this the easy way by going to an insurance comparison website where you can get homeowners insurance quotes from multiple A-rated insurance companies.
On the best insurance comparison websites, you can even get answers to your questions from insurance experts and discover additional ways to lower your home insurance premium (see link below).
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get basic homeowners insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there.
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