Cheap Home Insurance Quotes -- 5 Simple Steps That Will Help You Save Massively

Do you live in a secured home? Read this article to know how you can get the right insurance quotes. 

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Most of us take a lifetime to build a house with all that is earned and saved from long years after several sacrifices. So, you need to think deeply about the security of your home. Any kind of loss may occur to you at any point in time – you cannot guarantee your home’s safety at all times. Losses may occur in the form of natural calamities such as flood, earthquake, storm or landslides or it may occur through man-made incidents such as theft, riot, and terrorism. Accidents like electrical shortcuts or gas leakage may lead to fires and damage. You may not be able to prevent the damage, but what you can do is get an insurance policy to cover the costs occurring due to accidental damage. 

Home insurances can cover damages from any natural or man-made incidents. There are three types of insurance that you can take- Structure (building), content (material assets) and people (family members and third party). You can wish to take any type of home insurance or opt for all the three.  Most people are under the impression that a comprehensive insurance cover in Orange or Los Angeles, California will cost a lot and will not fit their budget. 

Well, there are ways in which you can get the lowest quotes without compromising on the cover. Here, we are discussing a few of them.

1.    Research the cover you need – You need a flood insurance cover only if you live in a zone classified as flood-prone. Get an insurance agent to come and help you identify the zone you live, the disasters which are likely to occur and choose a cover accordingly. 

2.    Do not insure every item in the home - While ensuring pieces of furniture, it is a good idea to get insurance for the expensive and heritage items, and not every piece of furniture or clothes you own. It is a great way to get cheap insurance quotes while minimizing your losses and ensuring you get the maximum cover. 

3.    Get two or more policies from the same insurance company – Did you know if you bundle two or more policies from the same insurance you will get lower premium quotes? Well, you do now. So, get your car insurance and home insurance from the same company and enjoy lower premiums.  

4.    Invest in security – Burglar alarms, regular servicing of your electrical items like air conditioners are a great way of showing the insurance company that you are committed to your own safety. You can save on your premiums by adding storm shutters, have stronger roofs, built them to resist earthquakes, and modernized your house with better electrical wiring. 

5.    Don’t make unnecessary claims. A small loss can be covered by your paycheck. Keep in mind, most insurance companies charge lower premiums for fewer claims. You may even get a no claim discount – but ask your insurance agent to help you understand which claims you should make and which ones you can avoid.

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Created on Jul 30th 2019 07:15. Viewed 373 times.

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