More Affordable Home Owners Insurance: How Risk-Proof Is Your Property?
You lower your homeowners insurance rate by enforcing measures that will make your home more disaster-proof. The following are also needful after taking measures against fire and burglary depending on were you reside…
a. You will enjoy better protection from wind damage if you fit a storm shutter.
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b. You’ll also fare better in windy localities with a heavier roofing material.
c. If you live in a state where earthquakes are a threat, you will get a discount if your home is retrofitted for earthquake protection.
d. A fire-safe home exterior will help lower your rates. Having things that are very inflammable or that aid combustion around your dwelling will make you pay more expensive rates. Bushes near your house should be cut and maintained at a distance of at least 10 feet from your structure. This is because how fire-safe a home is goes a long way in affecting what it will cost to insure it.
e. Cutting off dry branches on trees on your property will lower the likelihood of a branch falling off and causing injury and/or damage.
f. You’ll also do well if you keep your trees at a safe distance from your building for obvious reasons. A tree can help burglars and their branches can also fall off and damage part of your house. Furthermore, having these over your roof could greatly reduce its lifespan depending on the material used.
g. Having dead-bolt locks on all exterior door will lower your home insurance rate. This makes it difficult for intruders or burglars to break in. And because a home’s risk of burglary is a strong factor in calculating your home insurance premiums, you will pay far less.
h. There are security and fire systems that are monitored round the clock. Not only will you enjoy a big discount, you will also feel safer bearing in mind that your home is always monitored. This can reduce your rate by more than 25% depending on your insurance carrier.
Ask your home insurance agent for other things you could do if you want to bring down your home’s risk.
Also discover the cost-effectiveness of each recommendation you receive. This is very important as you don’t want to end up spending way too much on implementing a change with the hope that it would result in huge savings only to save very little or even nothing. Apply those that are cost-effective and you will get lower rates.
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Posted by Carlos Sagastume on September 5, 2009. Filed under HUD Homes.
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