| 1 | | | | insurance companies. Just remember that such |
| If you buy a house in a town that has only a | | | | devices have to be those approved by your |
| volunteer fire service, you'll pay a lot more than | | | | company for you to qualify for such big savings. |
| for a locality that has a full-time fire service. In | | | | The funny thing, though, is that although such |
| addition, how close your home is to a fire station | | | | systems will bring down your premiums, they're |
| or hydrant will determine your homeowners | | | | never cheap. |
| insurance premium. People who have homes | | | | 5 |
| nearest to firefighters or fire fighting facilities get | | | | Quit smoking if you want to reduce your home |
| more affordable rates all other things being equal. | | | | insurance premium. Your rate will be less if any |
| 2 | | | | smoker in your home quits. Statistics have it that |
| Find out how close the house is from the closest | | | | about 23,000 residential fires are caused by |
| police station. This as well will go a long way in | | | | smoking. Discounts to non-smoking households are |
| reducing your home insurance rate. | | | | NOT given by every company. |
| 3 | | | | The Most Important Step To Savings In Home |
| Is the locality a trouble area? Getting houses in | | | | Insurance |
| those areas costs you a lot in home insurance. | | | | The most important step to huge savings in |
| Two homes a street apart could fall into different | | | | home insurance is comparison shopping -- That's if |
| risk zones on an insurer's map. You can know for | | | | you do it correctly. You can get quotes that will |
| sure by calling an agent. The home on the | | | | have a range in excess of $1,000. You could |
| adjoining street could be zoned into a low crime | | | | quickly save so much by simply choosing the |
| district while your home is grouped to a high | | | | lowest quote. That should apply if you're just |
| crime area. | | | | after the lowest price. However, if you want the |
| 4 | | | | best value to price ratio then you'd have to check |
| A better secured home will attract some savings | | | | the details of the lowest quotes. Different insurers |
| as well. Certain security systems will attract | | | | may have slight differences for similar policies. It's |
| discounts of about 5 percent. With the installation | | | | wise to ask the agent what's part of the deal and |
| of advanced security systems you may get | | | | what's not. |
| discounts of up to 20 percent from certain | | | | |