There are a lot of rumors about how to get discounted rates on homeowners insurance that just aren't true. Homeowner insurance companies give discounts for certain things, they don't give them for others. Wasting your time and money chasing discounts that aren't there isn't a productive activity for any homeowner. Below is a list of realistic ways to qualify for discounts and get low home insurance rates on your policy.
1) Raise your credit score. Not all homeowners insurance companies offer discounts for high credit ratings, but most do. They look at good credit ratings as a sign of responsibility, a sign that you will take good care of your home. A score above 720 is considered to be great.
2) Good home security. The more products you buy and install to increase the security level of your home, the lower your home coverage rates will be. Security doors, flood lights, alarm systems, and window locks are all great examples of products that will net you savings. Make sure to get a list of approved discounted products from the company you secure coverage with.
3) Combine all insurance policies. Going to the same insurance company for all or most of your insurance policies will save you money on each policy.
4) Proper maintenance of your home. Get a scheduled list of maintenance activities from your insurance company. If you meet their requirements, you will see discounted rates. These discounts don't occur immediately, they take a while to kick in. Examples would be roof maintenance, painting on a schedule, and pest control.
Protecting your home and your financial well being with a good homeowner insurance policy doesn't have to be expensive. Visit Affordable Insurance Options to find out how to get the best coverage at the lowest rates.
Article Source: http://EzineArticles.com/?expert=John_Gephart
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