There are a few things that would help you save a lot on your homeowners insurance if you take them into consideration before you buy a home.
Here are a few that you would do well to take note of...
1) You'll save yourself avoidable homeowners insurance expense if you get a CLUE (Comprehensive Loss Underwriting Exchange) report before buying a home.
This report will show things that could cost you in insurance.
For example, some folks don't know that they'll pay more if the town they live in has only a volunteer fire service instead of a full time service.
The distance of a home to the nearest fire hydrant also affects homeowners insurance rates as well as how close it is to a police station.
Get such useful information before buying a home.
You could pay less for a home and end up paying a lot more in insurance.
2) Your home's construction material can save you a great deal in homeowners insurance premium.
Frame homes are more resistant to earthquakes while brick homes are more resistant to high winds.
Therefore, if you live in the East, you'll attract lower home insurance rates if you buy a brick home.
And, if you live in the West, a frame home will save you a lot more.
Expect to save at least 5% if you choose a building with the right material.
3) You can bring down your homeowners insurance costs by asking for quotes from reputable quotes sites.
Requesting quotes from not less than three quotes sites increase the chances that you would get bigger savings.
This is because you have a broader basis for doing more thorough comparisons.