If you must attract huge discounts on your Maine house insurance policy, then you must NOT miss certain things. I'll discuss some of them here...
1. You will pay lower Maine homeowner insurance premiums if you obtain group homeowner's insurance. Some associations have also negotiated discounts for their members with home insurers so find out if yours has such.
But before you purchase check if you can get a cheaper Maine house insurance premium with another company than that given by your association. You can find an insurance company that your association has no form of affiliations with that offers your profile a far more affordable rate. There is fierce competition in the home insurance sector and you can benefit from this to get lower premiums if you take your time to do extensive shopping and comparisons.
2. You can get lower rates if you are retired. But bear in mind, though, that not all insurers give this discount.
Insurers who give this discount know that burglars hardly ever go to houses where they know someone is always around. Furthermore, Fires can be quickly spotted and put off if someone is always around.
3. You should obtain a reasonable discount if you have being with your insurance provider for three years and above. But despite the fact that you will qualify for a loyalty discount if you remain with one insurer for 3 years and more, do NOT make this decision just for that.
I can almost bet that you can enjoy rates that are a lot less than what you're paying now. The key is doing thorough shopping. Get quotes from any solid home insurer you know you have never got a quote from and also routinely get and compare Maine house insurance quotes from up to five quotes sites about twice every year.
4. You can bring down your Maine homeowner insurance premium by obtaining and comparing quotes from at least five good insurance quotes sites.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
Tuesday, December 9, 2008
Monday, December 8, 2008
Maine Homeowners Insurance -- Four Proven Ways To Get Discounts
Everyone can enjoy high quality Maine home insurance coverage without paying top price. You only need the right recommendations and the resolve to implement what you'll be taught to get a better rate. Let us now look at a number of sure-fire ways to get more for a lot less...
1. It's more expensive and needless to insure the land on which your home is standing. Folks do this without knowing. They just insure their home for its complete value without subtracting the cost of the land.
If you made this mistake quickly meet with your agent and re-evaluate your Maine homeowner insurance policy. Deduct the value of your land and buy coverage only for your home and its contents.
Doing this will lower your premiums considerably and still have adequate home insurance coverage. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.
2. You'll pay more or less depending on your credit history. You'll attract higher Maine homeowner insurance rates if you have a poor credit rating. A poor credit rating implies that you've not been paying your bills in a timely fashion. An insurance company takes this to mean that you are financially irresponsible and will likely default in paying your premiums. If you are considered a likely defaulter, it makes you a bigger risk and attracts much higher premiums than otherwise.
It will, therefore, be a smart step to do something about improving your credit rating. It makes it easier for you to get lower rates among other things.
3. You'll pay more affordable rates if you elect to pay your premiums annually and not monthly. An insurance carrier sends 12 notices for monthly payments instead of one for yearly payments. This costs them more.
If you include the fact that each check you give is seen as a transaction by their bankers, you will see that they still pay extra on transaction charges for each check you pay in. They pay transaction charges twelve times instead of once annually for monthly payments. And as with everything else, it is you the end user or insured who will be responsible for that cost.
As a result, you will attract cheaper premiums if you opt to pay your rates annually. You could save up to a month's premium within a year.
4. You can save more by visiting a minimum of 5 Maine homeowner insurance quotes sites. If you do this, you'll increase your chances of getting the lowest quotes possible as five sites will give up to 25 quotes altogether.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
1. It's more expensive and needless to insure the land on which your home is standing. Folks do this without knowing. They just insure their home for its complete value without subtracting the cost of the land.
If you made this mistake quickly meet with your agent and re-evaluate your Maine homeowner insurance policy. Deduct the value of your land and buy coverage only for your home and its contents.
Doing this will lower your premiums considerably and still have adequate home insurance coverage. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.
2. You'll pay more or less depending on your credit history. You'll attract higher Maine homeowner insurance rates if you have a poor credit rating. A poor credit rating implies that you've not been paying your bills in a timely fashion. An insurance company takes this to mean that you are financially irresponsible and will likely default in paying your premiums. If you are considered a likely defaulter, it makes you a bigger risk and attracts much higher premiums than otherwise.
It will, therefore, be a smart step to do something about improving your credit rating. It makes it easier for you to get lower rates among other things.
3. You'll pay more affordable rates if you elect to pay your premiums annually and not monthly. An insurance carrier sends 12 notices for monthly payments instead of one for yearly payments. This costs them more.
If you include the fact that each check you give is seen as a transaction by their bankers, you will see that they still pay extra on transaction charges for each check you pay in. They pay transaction charges twelve times instead of once annually for monthly payments. And as with everything else, it is you the end user or insured who will be responsible for that cost.
As a result, you will attract cheaper premiums if you opt to pay your rates annually. You could save up to a month's premium within a year.
4. You can save more by visiting a minimum of 5 Maine homeowner insurance quotes sites. If you do this, you'll increase your chances of getting the lowest quotes possible as five sites will give up to 25 quotes altogether.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
Sunday, December 7, 2008
Maine Homeowners' Insurance -- Steps To Get Massive Discounts
Are you serious about cutting down your Maine homeowners' insurance costs by reducing your insurance premium? Then your search stops here as this write-up will teach you steps to take and lead you to all you need to get the cheapest rates. I'll reveal several time-tested tips that will make the difference. And this will be without compromising the quality of coverage you get. Here they are...
1. You will save if you buy all your policies from the same insurer. This makes you eligible for a multi-policy discount. Nevertheless, you might be better served by getting your policies from different insurers.
2. The more you fortify your home to withstand disasters the cheaper your rates will be. The following are also recommended after taking measures against fire and burglary depending on your locality...
a. If you live in a locality that is very susceptible to high winds, you'll save more by fitting storm shutters.
b. You'll also be better off in windy areas if you use heavier roofing material.
If earthquakes disturb your area, do your best to retrofit you home.
d. Cutting off dry branches on trees on your property will lower the likelihood of a branch falling off and causing injury and/or damage.
e. You will also do well if you plant your trees at a safe distance from your building for many reasons. This is because tree limbs over or close to buildings could easily result in extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material you use.
If want more ways to make your home more disaster-proof, consult your agent.
It's also important to check if the discount you'll get justifies the cost of using the advice. You'll pay far less on your Maine homeowner's insurance if you work with these.
3. Ensure you don't make the mistake of not subtracting the land's value from the home's value while applying for an Maine house insurance policy. People who ignorantly do this are paying a lot more than would be of any benefit. Insuring your home for the full price you bought it without subtracting the value of the land it stands on is an expensive error.
If you did this quickly meet with your agent and check through your coverage. Deduct the land's value and buy coverage only for your home and its contents.
Doing this will reduce your rates by a huge margin and still have adequate home insurance coverage. No matter what you do and who you meet, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.
4. You pay less if you take reasonable steps to improve the quality and strength of your roof. This is truer if you reside in the East. Your agent should be able to state things you can do if you a discount this way. Fitting heavier shingles is one way to do it.
5. Keeping a government homeowner's insurance policy could be making you spend much more on home insurance than you would otherwise. Natural disasters in certain places made it very difficult for people there to obtain home insurance coverage. Then it was only the government's policy that could buy. But this has changed in some areas as some private insurers have braved it and worked out a way of giving insurance to such places.
Some may still have little or no other means of getting home insurance coverage apart from a government homeowner's insurance. However, this is not always true as you may obtain better coverage at a cheaper price from some private insurance companies.
6. You can save much money on your Maine home owner's insurance policy if you get and compare Maine house insurance quotes from insurance quotes sites. You'll make savings if you use only one of such sites. But, you will get better results by visiting at least five.
The simple logic in this is that you'll receive many more Maine home owner insurance quotes from a wider range of insurers. This raises your chances of getting better offers.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
1. You will save if you buy all your policies from the same insurer. This makes you eligible for a multi-policy discount. Nevertheless, you might be better served by getting your policies from different insurers.
2. The more you fortify your home to withstand disasters the cheaper your rates will be. The following are also recommended after taking measures against fire and burglary depending on your locality...
a. If you live in a locality that is very susceptible to high winds, you'll save more by fitting storm shutters.
b. You'll also be better off in windy areas if you use heavier roofing material.
If earthquakes disturb your area, do your best to retrofit you home.
d. Cutting off dry branches on trees on your property will lower the likelihood of a branch falling off and causing injury and/or damage.
e. You will also do well if you plant your trees at a safe distance from your building for many reasons. This is because tree limbs over or close to buildings could easily result in extensive damage if they fall off for any reason. It could also reduce the durability of your roof depending on the material you use.
If want more ways to make your home more disaster-proof, consult your agent.
It's also important to check if the discount you'll get justifies the cost of using the advice. You'll pay far less on your Maine homeowner's insurance if you work with these.
3. Ensure you don't make the mistake of not subtracting the land's value from the home's value while applying for an Maine house insurance policy. People who ignorantly do this are paying a lot more than would be of any benefit. Insuring your home for the full price you bought it without subtracting the value of the land it stands on is an expensive error.
If you did this quickly meet with your agent and check through your coverage. Deduct the land's value and buy coverage only for your home and its contents.
Doing this will reduce your rates by a huge margin and still have adequate home insurance coverage. No matter what you do and who you meet, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.
4. You pay less if you take reasonable steps to improve the quality and strength of your roof. This is truer if you reside in the East. Your agent should be able to state things you can do if you a discount this way. Fitting heavier shingles is one way to do it.
5. Keeping a government homeowner's insurance policy could be making you spend much more on home insurance than you would otherwise. Natural disasters in certain places made it very difficult for people there to obtain home insurance coverage. Then it was only the government's policy that could buy. But this has changed in some areas as some private insurers have braved it and worked out a way of giving insurance to such places.
Some may still have little or no other means of getting home insurance coverage apart from a government homeowner's insurance. However, this is not always true as you may obtain better coverage at a cheaper price from some private insurance companies.
6. You can save much money on your Maine home owner's insurance policy if you get and compare Maine house insurance quotes from insurance quotes sites. You'll make savings if you use only one of such sites. But, you will get better results by visiting at least five.
The simple logic in this is that you'll receive many more Maine home owner insurance quotes from a wider range of insurers. This raises your chances of getting better offers.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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