Saturday, November 2, 2013
Arizona Home Owner Insurance - 10 Easy Tips to Save on Home Insurance
Whether you live in Arizona, or any other state, home insurance is an important subject. While it is imperative that you have home insurance, you also want to be sure that you are getting a great deal on your insurance as well. Saving money is important, so here are ten good tips that will help you save on your Arizona home owners insurance.Tip #1 - Compare Rates -One of the best things you can do if you want to save on home insurance is to compare rates of various companies. The easiest and fastest way to compare multiple quotes is to do it online with only one form. Be sure you compare the coverage as well as the price.Tip #2 - Choose a Higher Deductible -Something as simple as just choosing a higher deductible can also help you to save. If you think that you can afford a higher deductible if something happens to your home, then a higher deductible can definitely lower insurance premium.Tip #3 - Insure Your Home and Not the Land You Own -Many people insure both their home and the land the home is on. Instead of insuring both your home and the land it is on, insure only your home if you want to save.Tip #4 - Buy Multiple Insurance Policies from One Company -Purchasing various policies from the same company will help you save money. Usually if you purchase more insurance policies with one company, you will be eligible for a discount on all policies you hold with the company.Tip #5 - Take Inventory of Your Possessions and the Amount of Coverage You Have -Each year you need to take inventory of your possessions and how much coverage you have. You may find that you have more coverage than you really need. Lowering the amount of coverage when you don't need it will save you money.Tip #6 - Consider the Cost of Insurance before Purchasing Your Home -If you are planning on purchasing a home in the near future, one thing to keep in mind is the cost of home insurance. You may want to choose a home that will not break your budget.Tip #7 - Protect Your Home against Disasters -If you check with your home insurance company, more than likely they will be able to give you some tips on protecting your home against disasters to save money. Some of the things you may be able to do to protect your home include using better roofing materials, adding storm shutters to your home, or reinforcing it against earthquakes.Tip #8 - Add more Security Features to Your Home -Security is important to the safety of your home and your family. By adding burglar alarms, fire alarms, sprinkler systems, and other types of home security, you can save money and provide more safety for you and your family.Tip #9 - Keep Your Credit Looking Great -Believe it or not, if you have bad credit, you are going to end up paying more for home insurance. Work on improving your credit by paying all of your bills on time.Tip #10 - If You Smoke - QUIT! -There are some home insurance companies that may charge you a surcharge if you smoke, so just taking the initiative to stop smoking can help you save.