The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting cheap house insurance.
Looking for cheap house insurance? Here's how to get it.
House Insurance Coverage
House insurance covers four basic categories:
1. House structure coverage - pays to to repair of rebuild your home when it's damaged or destroyed by fire, smoke, vandalism, burst water pipes, or acts of nature. Damage from earthquakes, hurricanes, and floods are not covered by standard policies, but separate insurance to cover these disasters can be purchased if needed.
2. Personal possessions coverage - pays to replace your personal possessions like clothing, furniture, electronics, appiliances, etc., when they're damaged or destroyed by fire, smoke, vandalism, burst water pipes, or acts of nature.
3. Personal liability coverage - pays for medical bills, property damage expenses, and legal fees if someone hurts himself, or his property is damaged, and you're held liable.
4. Off-premises living coverage - pays for your living expenses while your residence is being repaired or renovated.
Cheap House Insurance
Here are the biggest money-savers when it comes to getting cheap house insurance:
Increase Your Deductible
Your deductible is the amount of money you pay toward a claim before your insurance company will pay. Increasing your deductible to an amount you can afford can save you 15% to 35% on your yearly premium.
Install Safety and Security Devices
Installing safety and security devices such as burglar alarms, fire alarms, smoke detectors, dead-bolt locks, window locks, fire extinguishers, and sprinkler systems can save you up to 20% on your insurance costs.
Consolidate Your Insurance
You can save up to 15% on your insurance premium with many insurance companies if you purchase both you house insurance and your auto insurance through them.
Shop Around
Because insurance premiums can vary by hundreds, even thousands of dollars between insurance companies, comparison shopping is the best way to save money on house insurance. The easiest way to comparison shop is to visit an insurance comparison website to get rates from different insurers.
A few comparison websites even offer a service that allows you to talk with an insurance expert to get answers to your insurance questions. (See link below.)
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get cheap house insurance quotes from top-rated insurance companies and see how much you can save. You can get more insurance tips in their Articles section.
- Related Videos
- Related Articles
- Ask / Related Q&A
- The Correlation Between the Value of Your House and the Amount of Your House Insurance
- How to Get Cheap House Insurance
- Where to Find Cheap House Insurance
- How to Get Cheap House Insurance Rates Online
- House Insurance- How to Get the Best Deal
- What You Need to Know About Buying House Insurance
- Do Not Panic Buy Your House Insurance
- Getting Cheap House Insurance
EFFECTIVE CUSTOMER RELATION MANAGEMENT IN INSURANCE SECTOR-NEED OF THE HOUR
By: DR.R.SRINIVASAN | 15/11/2009Life insurance has today become a mainstay of any market economy since it offers plenty of scope for garnering large sums of money for long periods of time. A well-regulated life insurance industry which moves with the times by offering its customers tailor-made products to satisfy their financial needs is, therefore, essential if we desire to progress towards a worry-free future.
INDIAN INSURANCE MARKET CHALLENGES & PROSPECTS
By: DR.R.SRINIVASAN | 15/11/2009The insurance market have witnessed dynamic changes which includes presence of a fairly large number of insurers both life and non-life segment. Most of the private insurance companies have formed joint venture partnering well recognized foreign players across the globe.
INDIAN INSURANCE MARKET CHALLENGES & PROSPECTS
By: DR.R.SRINIVASAN | 15/11/2009The insurance market have witnessed dynamic changes which includes presence of a fairly large number of insurers both life and non-life segment. Most of the private insurance companies have formed joint venture partnering well recognized foreign players across the globe.
Legitimate Online Insurance Quotes - How to Get the Cheapest Online Insurance Quotes
By: Matt Couch | 15/11/2009There have been instances of celebrities insuring their silicon enhances breasts and footballers insuring their feet. You too can insure any and every part of your body and any and every aspect of your life provided you are ready to pay for the same. The average individual is not interested in such extreme examples of insurance. People normally seek insurance quotes for auto, life, homeowners and health insurance.
Cheap Insurance Company - Where to Find the Cheapest Online Insurance Company
By: Matt Couch | 15/11/2009A good insurance policy is probably one of the most important investments one can make in his lifetime. This insurance can either cover one's health, home, life, automobile, business, and whatnot. There are a lot of insurance policies that provide varying degrees of coverage from several insurance companies. In today's economy, finding a cheap insurance company that still provides great coverage can be challenging. However, there are still ways of finding a company that provides affordable policies.
Compare Insurance Companies - Where to Go To Compare Insurance Companies on the Web
By: Matt Couch | 15/11/2009Are you looking for an affordable insurance policy with good coverage? Are you finding it difficult to choose the right kind of insurance? Are the choices for insurance quotes and estimates starting to overwhelm you? Well, you are not alone. There are a lot of people who are interested in purchasing insurance but are stuck in deciding on the insurance company they intend to do business with.
Free Insurance Quotes - Why it is Important to Get Free Insurance Quotes Online
By: Matt Couch | 15/11/2009The internet provides people the convenience of shopping for anything from the comfort of their own home. You can buy books, electronics, clothes, accessories, even groceries, online. The list of items you can purchase online is practically endless. One of the many things you can procure via the internet is insurance - and you can start this by getting free insurance quotes online.
Free Insurance Quotes - How You Can Save Money With Free Insurance Quotes Online
By: Matt Couch | 15/11/2009Insurance is a business used for generating profit for the company. Premiums of insurance companies keep varying according to its performance. A year in which large number of claims have been settled the cost is passed on to the new policyholders in terms of raised premiums.
No Load Term Life Insurance - How to Get the Best Rate
By: ryan@thesatellitetvguide.com | 29/05/2008 | InsuranceA no load term life insurance policy is the least expensive type of life insurance available today. But just what is this type of insurance and how can you get the best rate? This article shows you.
Homeowner Insurance Rates - Where to Get the Cheapest
By: ryan@thesatellitetvguide.com | 26/05/2008 | InsuranceHow can you make sure you get the cheapest rate possible for your homeowners insurance without sacrificing the protection you need? This article shows you how.
Renters Insurance for College Students - Where to Get the Best Rate
By: ryan@thesatellitetvguide.com | 22/05/2008 | InsuranceBuying renters insurance for college students is important – and doesn’t cost that much. Here's how to get the best rate.
Cheapest Auto Insurance - Where to Get it
By: ryan@thesatellitetvguide.com | 19/05/2008 | InsuranceGetting the cheapest auto insurance is a four part process - 1. getting the best rate, 2. increasing your deductible, 3. getting discounts, 4. eliminating unnecessary coverage. This article explains how to do it.
Whole Life Insurance Advice - How to Get the Best Rate
By: ryan@thesatellitetvguide.com | 15/05/2008 | InsuranceWhole life insurance is a great tool to both protect your family and grow your money. Here's whole life insurance advice that explains what whole life insurance is and how to get the best rate.
How to Get the Best Group Health Insurance Rate in Texas
By: ryan@thesatellitetvguide.com | 14/05/2008 | InsuranceHealth insurance is always going to cost more than we like, so you want to make sure you're getting the best group health insurance rate in Texas. This article explains how to get it.
Auto and Renters Insurance - How to Get the Best Rate
By: ryan@thesatellitetvguide.com | 13/05/2008 | InsuranceDid you know you can save up to 15% on your auto and renters insurance by buying both policies from the same insurance company? Read this article to learn more ways you can reduce your insurance bill.
Best Auto Insurance Quote - Where to Get it
By: ryan@thesatellitetvguide.com | 12/05/2008 | InsuranceAre you looking to get the best auto insurance quote with an A-rated company? This article shows you how to get it.