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Protecting Property Cuts Home Insurance Rates


It’s no secret that information on how to save money on expenses is a hot commodity these days. For homeowners—whose greatest material asset may be their home—that includes saving money on home insurance premiums. A recent article by gives homeowners several ways to save money on their home insurance premiums and protect their valuable property from damage at the same time.

“To save money on your home insurance premium, homeowners should reduce the risks presented to their home and prevent any destruction. By taking easy steps, homeowners could save a significant amount of money annually on their home insurance premium,” states the article, ‘Playing It Safe Can Cut Home Insurance Premium Cost.’

The leading causes of home damage are fires and floods—both of which are risks that are insurable. Homeowners need to include this coverage on their policies, and to avoid an exorbitant increase on their home insurance policy, also need to fire-proof and flood-proof their home at the same time. That includes learning fire safety rules, installing smoke detectors and fire extinguishers, and checking the home’s plumbing and heating systems and updating them every few years.

Another big cause of home damage and loss—and a direct cause of home insurance premiums rising in the summer months—is burglars. While families are away on vacation, the criminals come out to play, in least in some neighborhoods. The best way to keep home insurance premiums low is to make the home as safe as possible.

A security alarm system, deadbolts, motion-sensitive illumination, locked windows, etc., can each save up to 5 percent or more on a home insurance premium. It also depends on the area, according to the article.

“The bigger risk you and your home present to the insurance company, the higher your home insurance premium will be. If you live in a quiet and safe neighborhood, you will be more likely to find an affordable home insurance premium. If your neighborhood sees its fair share of break-ins, your home insurance premium will probably increase.”

Another easier way to save money on home insurance premiums is to look online for home insurance quotes.

Finding home insurance quotes online takes less than 5 minutes. Check for more information.


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