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High Risk Homeowners Insurance - How To Get The Best Rate
By Brian Stevens
What does high risk mean anyway? And how can you lower that quote and find a cheap rate for insuring your home?
Defining High Risk Homeowners Insurance
There are several reasons an company might put you and your home in the high-risk category:
* You live in an area prone to natural disasters such as earthquakes, floods, and hurricanes
* You live in a high-crime area
* You have a wood-burning stove, an unfenced swimming pool, or other “attractive nuisance”
* You have filed two or more claims in the last two years
* You have a poor credit history
* Your home is a fixer-upper
While homeowners in the high-risk category pay more for their premium, the additional amount depends on many factors, such as the age of your home and any discounts you qualify for.
Lowering Your Premium Costs
If
you find yourself labeled as high risk, you can take steps to lower your premium. One easy step is to make sure you insure your home and your automobile with the same company. This can get you up to a 15% discount on your premium.
Raising your deductible, the amount you pay before your insurer will pay toward a claim, can get you up to a 35% discount.
Also ask your insurer if there are other discounts you might qualify for. If you live in a high-crime area, can you get a discount by installing an alarm system or putting deadbolts on all your doors?
The best way to lower your premium is to compare rates from different companies.
The internet makes it easy to compare quotes and purchase insurance. By going to an comparison website, you can get quotes from multiple A-rated companies quickly and easily (see link below).
Where to Get Cheap Rates
Visit www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get high risk homeowners insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
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