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A few simple precautions can make your home more secure. It is a sad reflection on modern life that few if any of us believe we can leave the house with the doors open or unlocked while we go out for a few minutes or an hour or two. Yet the fact is, many of us do it. According to Hiscox, one of the country's leading high value home insurance underwriters, over 60% of burglaries happen because people don't actually use the security protection they've got. They leave their burglar alarms turned off, and their doors and windows unlocked, thus making it easy for thieves to get in without having to force an entry, which is what happens in a third of all burglaries. It is very easy, and needn't cost much, to have five-lever mortice deadlocks and hinge bolts fitted to all the outside doors of your home. Once locked from the outside, the doors are almost impossible to open from the inside and the locks themselves are very difficult for burglars to pick. It is also easy to fit locks to all your patio doors and downstairs windows, and a good idea to fit them upstairs as well. Burglars can be very agile. The most effective window locks are those fitted with keys, which you should keep out of sight at all times. While locking your doors and windows is a good start, it's only the beginning in the business of securing your home. Many people believe that police monitored alarm systems are a waste of time, but evidence suggests otherwise. Time is the burglars' enemy, and the police are more likely to catch intruders if they learn of a break-in immediately. Police monitored alarms should ensure this; even non-monitored alarms will act as a deterrent. Having them fitted is always a good idea. Burglars can also be put off by movement-activated lights outside the house, which come on when the sensor detects a presence within their range. As well as deterring prowlers, lights like these can also welcome you home when you return after dark. A gravel drive and path can also help deter intruders. The noise made by driving or walking on gravel can act as a simple alarm to those at home indoors. All these simple precautions will go a long way towards making your property more secure, as well as having an impact on your home insurance premiums. But none of them will be of any value if you neglect to use them. The key is to use your keys. Lock all doors and windows each time you leave the house, and make sure your alarm system is turned on.

Your home will likely be the largest investment you ever make, so it is critical that you keep this investment safe. This is where home owners insurance comes into play. You will be glad you are properly insured especially in the event of some sort of loss such as a fire or home burglary. When compare to auto insurance or health insurance, home owner insurance is relatively cheap but worth every penny. There are some very important aspects of insurance you need to know. There are tips to reduce your insurance costs, where to get home insurance and ways to decrease your insurance rate. You are now ready to buy that new home you have saved for over the past several years. Many people wonder if they can actually own a home without home owners insurance. The answer is yes and no. If you have a mortgage on your home, the lender will likely require you to carry homeowners insurance so that they are protected in the event the home is destroyed. If you own your home outright, no one will insist you have home insurance coverage, we do however recommend that you maintain coverage so that you don't lose everything you have worked so hard for. Why you need home owners insurance: Homeowners insurance is the safety net you require to protect your family against the loss of your home and your belonging. With the proper insurance policy, you will be covered for damage to your property as well as liability in the event you or your family injures or damages someone or their property. When talking to your insurance agent, ensure your home or mobile home insurance policy covers the structure of your home, personal belongings, liability protection and living expenses should your ever have to live away from your home because of fire or other damage. Shopping for home insurance: Home owners insurance is available from local insurance agents in your community as well as insurance companies that sell coverage over the internet. You can often request a free online home insurance quote. Other excellent resources include your friends and family who are happy with their current home insurance provider. You can also find an extensive list of companies in your local yellow pages. Home insurance rates: The rate you will pay for your homeowners insurance will largely depend on the following: o Size of your home and additional buildings such as garages or guest houses o Nearest fire hydrant and fire station o Actual building costs in your community o Crime rate in your neighborhood o Occurrence of natural disasters including hurricanes, tornados and hail storms o Home's construction materials and unique features o Age and condition for plumbing, electrical and heating systems An agent will be able to give you an accurate home insurance quote based on the factors above. To help them, have this information readily available. Tips for reducing your home insurance rates from 5% - 25%: 1. Homeowners insurance is a competitive business so be prepared to shop around to save money on your rates. 2. Raising your deductible from $500 to $1,000 can save you as much as 25% on your premium. The higher the deductible, the lower your rate. We recommend a deductible no smaller than $500 to start with. 3. Use the same insurance company for all your insurance requirements including auto insurance, boat insurance, home insurance and travel insurance. This alone can reduce your rates by 5%-15%. 4. Securing your home with smoke detectors, security alarm systems and dead bolts can drastically reduce your home insurance rates. 5. Stay with the same insurance company long term. This will definitely help when you asked for any other discounts they are offering. We hope that this information will help you when shopping to insure your most valuable asset, your home.

Your home, seeing that it is one of the most important and one of the biggest (if not the largest) investment that you will ever have, needs to be insured with the right policy. Having your home insured will provide you with considerably greater peace of mind knowing that you, your loved ones, your home, and all of the other valuables that you have inside are always protected. Home insurance, also known as homeowner's insurance and hazard insurance, is the type of insurance policy that you should get for your home in order for you to obtain this peace of mind we are talking about. So what is this particular form of insurance we are referring to? Whether you know this insurance product as home, hazard, or homeowner's insurance, all of these three terms refer to the specific type of insurance product for properties. This insurance policy is designed to provide coverage to private homes. This particular type of insurance product is a combination of different personal insurance coverage, which may include losses that will occur to a policy holder's home, the loss of contents of the property, the loss of the use of the home, or the loss of other valuable possessions within the property. Since home insurance can prove to be very valuable to home owners, it is to be expected that many companies offer this particular form of insurance. You should also expect this type of insurance policy to differ depending on many different factors, including the provider itself, the included coverage types, the interest rates, and the overall monthly premiums. There are also several factors that insurance companies take into consideration in order to determine how much your annual percentage rate will be such as your credit history, if the home to be insured is your primary residence, and the other possessions you will also have insured. Home insurance is generally comprised of four major components. The first is the 'Coverage for the Structure'. This is the part that will cover damages done by fire, by storms, or by any other type of disaster that will be included in the policy contract. The next component is the 'Coverage for Contents'. This part will cover the expenses associated with the replacement of your possessions if they are lost in a disaster or burglary. 'Liability Protection' will cover damages to third party property, personal liability, and medical expenses. 'Reimbursement for Additional Living Expenses' is the fourth component that will cover living expenses if your house is temporarily inhabitable.

You cannot deny that most people were dreaming to have a cheap insurance home with good coverage benefits. Well, you can find that if you are determined and patient enough to shop around or shop on it online through the net. The net is the easy way to do your searching since you own the time and day you want to shop. The quickest access to ask for home insurance quotes and aside from that, you can do some research to have some idea and knowledge with regards to insurance whether home, car, life, health and etc. There are different types of home insurance policies to choose from: Legal protection or liabilities coverage: where in anyone who gets injured in your homes or property. Building Insurance: which covers the building structure of your homes including the sheds, fences and garage, gazebo, etc. Home contents Insurance: This covers the damages such as valuable things such as furniture, clothes, sports equipment, cabinet, jewelry, etc inside your home due to water, fire, etc. Buy or take only the coverage that you need Since all insurance companies are different then they don't have the same rates, coverage and as well as their services. Take note that most quotes for your home, if ever you will ask from insurance companies, it's free. Always find suitable insurance policy whether cheap or not as long as you can afford and fits best to your needs and with reputable insurance company, for sure you will have peace of mind. By asking quotes either online or not, it is more convenient and easy to compare the cost, the coverage, etc. Most of the insurance companies have their own websites in the net and all the information needed or required by the consumer or customer are available on their websites. You can ask or acquire all the required information about your home insurance policy too. Homeowner insurance covers several kinds of damages but there is also some certain exceptions as well. Most of the regular home insurance, floods, earthquakes, hurricane, etc are not covered and if ever you want that to cover in your home insurance then that is separate as additional coverage. Bear in mind that a home is your dream and was achieved by your hard work and that home where in you spend huge amount of money also need some protection so that in case of disaster occur in the future, your home will be replace and so the contents of your house. So think how important homeowner insurance is to your dream house and how it gives you peace of mind. Cheap home insurance are good but most of the coverage are limited and if ever you want a full coverage for your home insurance, then the better. Cheap home insurance can also be found online through the net but you need to be aware and carefully in finding it, since there are also some frauds online.

If one were to define home insurance, it would simply be a contract between a person (the owner of a property) and an insurance company. The contract is to state that as long as the insured keep paying the set premium and when due, the insurance company shall provide cover against damages against the building and its content, the acceptable cause of damage would be explained and exclusions stated in the contract. The insurance company would also provide cover against liability that could arise from lawsuits instituted against the insured from issues arising from the property. Some have said that next to life insurance, home insurance is the most important. This could be subject to debate which debate we are not here to start. What we however know is that for most people, the biggest single investment is usually on their home which makes insuring this investment a priority. This huge investment needs to be adequately protected. This also includes the personal properties that we have been gathering over the years all with their monetary and emotional values. When getting a home insurance cover, it is very necessary to know that your homeowner insurance policy may not automatically provide you with full cover. There are usually exclusions. These exclusions mean that any damage resulting from the factors listed in the exclusions would not be covered in the policy. What this means is this. If in your exclusions you see flood, that means that if there is flooding which in turn causes damage to your home, you can not make a claim as your policy does not provide cover against this. You therefore need to look through your policy and see what is excluded. It could be flood, earthquake etc When you have found this out, you can then get additional policy to cover these areas. That you have now gotten a homeowner insurance policy which you think is adequate does not mean the job is done. There are still things you need to keep doing. Top on the list is to review your policy from time to time. This is necessary because the value of the insured items could go up or down depending on inflation. Your policy should as much as possible reflect these changes. Apart from this, there are ground on which you can make a successful claim. Your home needs to be maintained by you. If a damage occurs as a result of something you should do that you did not do, your insurance company would most likely not pay on any claims. It is therefore your duty to do all within your power to make sure that no damage occurs. In fact, doing this can earn you some reasonable savings as your insurer has discount opportunities for people who take certain actions aimed at reducing the risk of claims. Having things like smoke detectors, sprinklers, fire suppressants etc would go a long way in helping your insurance policy. One other reason why you should review your homeowner insurance policy is to ensure that you are not paying more than you should. After reviewing your policy, you can compare the result with other free home insurance quotes which you can get from quotes comparison sites. Get these free home insurance quotes and you could discover that you are actually spending too much on your policy and may find it very beneficial if you moved on to another insurance company. Do not joke with your home insurance coverage. Take it seriously and get adequately covered.

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