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| − | Make sure you read over the policy before purchasing.
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| − | It's important to know whether your homeowner's policy covers temporary living expenses if you're unable to live in your home. A lot of the time you will find that a policy covers a relocation if something happens to the home you live in. It's important to note that you will need to save every single receipt when you live elsewhere, or you will not be able to prove you paid for the expenses.
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| − | Ensure that your homeowners policy covers your most valuable possessions. Certain policies do not cover everything, so make sure that you get one that suits yours needs. For around $30 annually, you can usually add a floater to your policy that will cover these extras.
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| − | If you want to reduce your homeowner's premium expense without sacrificing your current levels of insurance coverage within your policy, you can raise your deductible. By bumping a $500 deductible up to $1000, you may be able to save 25% on your policy cost. Money saved on low-premiums could be saved in an emergency fund to pay for any small claims that the new deductible will not handle.
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| − | Install a security system in your home. This will reduce the cost of your premium overall. Also, you will be adding another shield to your home for protection.
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| − | Consider insurance pricing when you think about doing a home remodel. Adding onto your house will increase your insurance costs, though you can mitigate the expense by using certain types of construction materials. Wood is more pricy than cement and steel in terms of being insured, because it can be damaged by weather or fire.
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| − | Certain natural disasters, like earthquakes, are not covered in a standard homeowner's policy. Simple policies tend to cover exterior and interior damage resulting from vandalism, fire, hurricanes and lightening strikes. Another common practice is extending coverage to include everything inside the house if it is stolen. Earthquakes are typically the domain of additional policies you pay extra for.
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| − | Home security can lower your premium. The cost of installing these systems is a small price to pay for the peace of mind they will give you any time you are away from your home.
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| − | Turning 55 is an important milestone for purchasing homeowner's insurance. Senior citizens often receive a discount. If your current company does not offer a discount, shop around.
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| − | Choose a policy that contains "guaranteed replacement value". You don't want to end up in a trailer instead of a home similar to the one you have been paying for, for years. If your home is destroyed, you should not have to downgrade to a smaller, less desirable property. You should be covered for a comparable amount.
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| − | To realize greater savings on homeowner's policies, see if your insurer will give you a discount for bundling with other policies. Insurance companies find it easier to run one single account, and they like that all your money is going to them. Therefore, they provide discounts because you allow them to handle so many policies that could go elsewhere.
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| − | With the right knowledge in hand, you should be ready to seek out a great policy. With these tips, you should save a lot of cash along the way.
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