Never insure the land on which your home is built.
Now this is very logical.
Insurance is supposed to cover for things that can be damaged or stolen as the case may be.
Now the question is " why insure a land that can neither be stolen or damaged in that sense?" You will be saving a lot if you just insured your home alone and not with the land.
If you have mistakenly done this, you can ask your insurer to review your policy, making sure that the cost of insuring the land is subtracted from your premiums.
You will be amazed at how much you are going to save.
Make sure your home has smoke and fire detectors.
The idea is this.
Insurers will ask you to pay more if your home is considered a high risk to them.
This is because a home without these gadgets is more likely to have a fire accident.
With these smoke and fire detectors in place, fire accidents can be averted as they will be seen on time.
You have to understand that the number of smoke and fire detectors you have to use depends on the size of your home.
Also do not forget to change their batteries regularly.
By so doing you are making conscious efforts to prevent what may lead to a fire accident.
Talking about infernos, you should make sure the exterior of your home is void of anything inflammable.
This also has a way of lowering your homeowner insurance rates.
The more fire-safe your home is, the more affordable your home insurance rates.
Getting affordable homeowner insurance requires that you get and compare quotes from home insurance quote sites.
This puts you at an advantage as different insurance companies offer different coverage plans.
You should get quotes from at least four sites.
Start saving now.
Here are great sites for home insurance quotes...