| 1 | | | | insurance, you get lower quotes if you are a |
| If you buy a home in a town that has only a | | | | better risk. |
| volunteer fire service, you'll attract higher rates | | | | 4 |
| than for a locality that has a full-time fire service. | | | | Since your major reason for buying home |
| Be informed that your premiums will be further | | | | insurance is to guarantee you're properly |
| affected by the distance of your house from a | | | | protected from the risks of a home loss or |
| fire station, firefighting equipment or hydrant. The | | | | damage, I'll add this even though it's not a benefit |
| truth is: the closer your house is to firefighters | | | | of your home insurance policy. You'd be expected |
| and their equipment, the lower your rates will be. | | | | to buy flood insurance at up to $400 annually if |
| 2 | | | | you have a home in a flood-prone region. Every |
| Buy a home as far away from high crime areas | | | | mortgagor will require that you get it if your |
| as you can. Homes in districts that are notorious | | | | home is in a flood-prone region. You can avoid |
| for crime cost much more to insure. Two houses | | | | such additional expense by go for a house in a |
| just a street apart could be grouped into different | | | | place that isn't prone to such. |
| risk zones on an insurer's map. It's a smart move | | | | 5 |
| to ask an agent before you eventually settle for | | | | You can save much money in home insurance if |
| a home. The home on the adjoining street could | | | | you obtain and compare quotes from insurance |
| be zoned as a low crime area while yours is | | | | quotes sites. You'll make savings if you use just |
| zoned to a high crime district. | | | | one of such sites. But, you'll get better results by |
| 3 | | | | using at least three. The simple logic in this is that |
| How near is the home to a police station? If you | | | | you will obtain a greater number of home |
| live really near a police station you would have a | | | | insurance quotes from many more companies. |
| lower risk of burglary, for instance, and in | | | | This raises your chances of receiving better rates. |