Affordable New York Home Owners Insurance -- 6 Time-Tested Tips For Considerable Discounts

Contrary to what you might have been told, you don't really have to do very exceptional things in order to attract the most affordable policy that gives you sufficient coverage. You may be shocked to find out that all that's making it difficult for you to get far lower New York home owner insurance rates are little things you can easily deal with. Following are several things that will bring you closer to the goal...

1. Motion-sensitive lighting reduces your home's risk of burglary and, therefore, makes it easier for you to get cheaper home insurance premiums. Your home becomes a no-go area for thieves because they'll be noticed easily. The risk of burglary is a strong factor in determining a home's risk to an insurance company and, by extension, your rate.

2. Don't leave ladders in places where anyone can easily use them. You might be providing thieves with the very equipment they need for their activity. Do not also leave your tools, machinery or things like that on the lawn or anywhere in the open as they could result to accidental injury and increase your liability claims. Like ladders, tools and such could aid a burglar in breaking into your home. Keeping these things properly will save you many heartaches along with lower premiums.

3. Ensure you don't forget to subtract the land's worth from your home's value as you apply for a home insurance policy. Some people pay much more than they should on home insurance because they make this mistake. Insuring your home for the full price you bought it without deducting the value of the land it stands on is a big mistake.

If you made this mistake quickly call your agent and check through your coverage. Subtract the price of the land and you'll realize that you will need far less coverage.

This means you will pay far less on home insurance. No matter what you do and who you meet, don't forget that the only things you insure are things that can be lost or destroyed and your land is not one of such.

4. Electing to pay your premiums monthly leads to more expensive NY home insurance rates than you'd spend if you decide to pay yearly. Your insurer sends 12 notices for monthly payments as against one for annual payments. This increases their overhead.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you send them monthly. They pay transaction charges 12 times instead of once a year for monthly premiums. And as with everything else, it is you the customer or insured who bears that cost.

Therefore opt for yearly payments instead if you intend to save this way. What you'll save could be as high as 8.5% of your total monthly payments over the course of just a year.

5. Having your premium removed automatically from your account will result in more affordable premiums. Just tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurer. Apart from being more convenient, you'll be given a discount for this.

6. You will save a lot of money in home insurance if you get and compare home insurance quotes from insurance quotes sites. You will make savings if you use just one quotes site. But keep this in mind, you'll get more by using at least five. The simple reason for this is that you will get many more home insurance quotes from a wider range of insurers. This raises your chances of receiving better quotes.

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