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)...
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