Purchasing a home is one of the largest investments the average person will make in their lifetime.
In addition to deciding where to place furniture, which color paint should go in which room and what type of window treatments to use, you also need to consider homeowner's insurance.
For people living in Oklahoma who can't secure homeowner's insurance because of an unsatisfactory history of claims, they can still get insurance.
They need to contact Oklahoma Market Assistance Program.
For everyone else, saving money and finding discount homeowner's insurance is a priority.
Ideally you'll have the insurance in place so it becomes effective on the date you are set to move into your new home.
To do this, you need to start looking for homeowner's insurance at least a couple of months in advance.
This will give you ample time to not only compare prices but to review the policy you do choose.
Every homeowner's insurance company offers discounts so it's wise to inquire about what those are in an effort to find out if you qualify for one or more.
One discount that many people often overlook is a multi-policy discount.
This occurs when you purchase more than one type of insurance from one company.
If you consolidate all of your insurance needs including homeowner's, car, life and health, you'll likely see a savings on all.
Add deadbolt locks and a security system to your home as well if you want to save money.
These are both seen as a safety precaution and your insurance company may well reward it with a rebate.
It's also a great way to keep your family safer so it's truly a win-win situation.
The same is true of smoke alarms.
After you've installed these in every room, mention it to your insurance agent to see if it warrants a reduction in premiums.