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12 Ways to Save Money On Your Homeowners Insurance  
INFORMATIVE 

Tags: Real Estate, Homeowners, Insurance, Homeowners Insurance, Personal Finace, Saving Money

Sometimes homeowners insurance can get pretty expensive. Here are some ways to save money on your homeowners insurance.

1.	Shop Around - Look around for the best deal.
2.	Raise your Deductible - The higher the deductible the more you can save on your premium.
3.	Do no confuse what you paid for your house with rebuilding cost - The land under your house isn't at risk from theft, windstorm, fire and the other perils covered in your homeowners policy. So don't include its value in deciding how much homeowners insurance to buy. If you do, you will pay a higher premium than you should.
4.	Buy your home and auto policies with the same insurer - Some companies will take off 5 to 15 percent off of your premium if you decided to use them for two policies.
5.	Make your home more disaster resistant - An insurance agent can help to inform you of what you need to do.
6.	Improve your home security - By adding an alarm system or other crime deterrent you can lower your premium costs.
7.	Seek out other discounts - Make sure you are fully aware of all the discounts that are offered for you, your home, and your area by your potential insurance company.
8.	Maintain a good credit record - Good credit is important in many facets of your financial life and here is yet another one.
9.	Stay with the same insurer - Some companies offer a special discount to long term clients. Make suer you ask your company about these potential savings.
10.	Review the limits in your policy - You want to be sure that you are getting the coverage you need and not paying for unnecessary coverage.
11.	If you are in a government plan, look for private insurance - If you are in a high risk area you should check out the other options available for you. You can ask about this from your local insurance agent.
12.	When you are buying a home, consider the cost of homeowners insurance - You may pay less for home insurance based on the homes location.

Lister: Andrea

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