Would you like to lower your North Dakota homeowners' insurance costs? Then you've come to the the article you need. I'll give you a lot of sure-fire recommendations that will make you qualify for many discounts. And this will be without reducing the quality of coverage you get. Here they are...
1. You'll save if you get all your policies from the same insurer. This makes you eligible for a multi-policy discount. However, you might be better served by obtaining your policies from different insurance companies.
2. You reduce your North Dakota homeowners' insurance rate by taking steps that will make your home more disaster-proof. You can make this happen by taking all the necessary precautions against fire and burglary as well as the following depending on where you reside...
a. If you reside in an area that's so susceptible to high winds, you will save more by having storm shutters.
b. You'll also be better off in windy localities with a heavier roofing material.
c. If you reside in a state where earthquakes are a threat, you'll get a discount if your home is retrofitted for earthquake protection.
d. Dry limbs on trees could easily cause injuries that will lead to liability claims. So make sure you cut off all dry or dead limbs on trees on your property.
e. You will also do well if you plant your trees at a safe distance from your structures for obvious reasons. A tree can help burglars and their branches can also fall off and destroy part of your house. Depending on your roofing material, this could also lower its durability.
Ask your North Dakota homeowners' insurance agent for other things you should do if you want to reduce your home's risk.
Also find out the cost-effectiveness of each recommendation you get. Implementing these steps will help you reduce your North Dakota homeowners' insurance rates.
3. Don't insure your house along with the land it is standing on as this is more expensive but very unnecessary. Those who ignorantly do this are paying a lot more than would be of any benefit. You've made same mistake if you insured your house for the price you bought it without finding out the cost of the land it's standing on and subtracting it.
If you made such a mistake, you need to review your North Dakota house insurance coverage and check it again with your agent. Deduct the price of the land and you will realize that you will need far less coverage.
Doing this will reduce your premiums considerably and still leave with adequate home insurance coverage. Bear it in mind that insuring the land your house is built on is plain waste of money because it does give you any added advantage.
4. You pay less if you take measures to improve the quality and strength of your roof. This applies more to you if you live in the East. Your agent should be able to outline steps that you should take if you a discount this way.
5. Government home insurance policies could really be costing you more than what you can now get with private insurers. It used to be quite difficult to get insurance providers if you live in certain high crime areas or places that were affected by certain natural disasters. Most people in those regions had just one choice: Government homeowner's insurance sold by a government agency. The story is really different now as private insurers have started to cover such regions.
Depending on your location, though, you might still have no other choice but to buy government homeowner's insurance. But if your area is presently catered for by some private insurance providers you might save a lot more by switching to them.
6. You could save some hundreds of dollars by just obtaining and comparing quotes from at least five insurance quotes sites. And, it will take you only a total of 25 minutes.
Here are my favorite quotes sites (highly recommended)...
Get Affordable Home Insurance Quotes
Home Insurance Quotes In Minutes
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