Originally published March 1 2005
Home insurance premiums can be reduced by following simple tips
by Mike Adams, the Health Ranger, NaturalNews Editor
Home owners can reduce home insurance costs by following some simple tips. The first is to purchase your insurance for your car and your house from the same company. Next, they could raise the deductible to a higher amount which automatically lowers insurance costs. Additional security features like dead-bolting and home alarms also allow you to request for lower premiums.
Raising your deductible can lead to substantial savings.
Furthermore, it is best to have a large deductible to prevent you from using your insurance for small claims since many insurance companies are now adding a surcharge to as little as one claim, and surcharges can range anywhere from 10-85% depending on how many claims you file during a given time period.
Home Security Systems: Special burglar alarms can prevent losses and therefore make your house less of an insurance risk.
Most any type of security system will help give you a discount, but the type that directly responds to local police and fire departments are most likely going to give you the most discount.
Dead bolt locks are very inexpensive compared to the possible insurance savings, but make sure all of your doors have them because usually the discount only applies if there are dead bolt locks on every door.
Non-Smoking Household: Insurers are trying to cut costs too therefore are looking for people to insure that pose the least risk.
Organization Affiliation: Many companies offer a discount for being affiliated with certain organizations.
These can range from credit unions, college sororities, or just having a certain credit card.
EFT Payments: Many companies are now charging up to $5.00 or more for mail payments, but sometimes nothing if you choose to have payments automatically deducted.
And sometimes the deductions can come from your credit card, so you don't have to worry if the money will be in your bank account when payment time comes.
High Risk Property Insurance: Check with your state insurance commissioner if you feel you may be getting turned down for homeowners insurance or are paying ridiculously high premiums because your property may be a high risk such as in a high crime area.
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