How to get lower home owner insurance quotes?
December 1, 2009 by admin
Filed under Buy Home Insurance, Home Improvements, Home Insurance Prices, Home Insurance Quotes, Home Owner Insurance
I keep getting quotes that are a little out of our range. What can lower the home insurance quotes? Like when they ask you all those questions, such as owning a dog, or owning guns. Does a yes or no make it higher or lower?
Guns and dogs don’t affect your rates. What affects your rates the most, are: 1. your credit score 2. how much it will cost to rebuild your home 3. how high your deductible is 4. which “extras” get added to your policy 5. what your house is made of (brick or wood) 6. how old your house is 7. where your house is located 8. your prior claims history, AND your house’s prior claims history If you don’t own the house yet, the answer is, buy a brick single family home less than 20 years old, in a suburban neighborhood. Increase the deductible to $1,000 or $2500. Getting a quote with the same company that writes your car insurance can give you a discount on BOTH policies, up to 25%. If you already own the house, look at increasing the deductible, to $1000 or $2500. If the house is over 20 years old, and/or you’ve done any big projects on it, make sure the insurance company knows. Usually there are substantial surcharges on the policy, unless the wiring, roof, electric and plumbing have ALL been updated within the past 20 years. And for both, be sure to stop using credit cards, pay off your accounts, close all but the oldest, get your credit score cleaned up. There’s a HUGE difference in rates, just between the guy with a 750 score and a 550 score. **I’ve never seen a company surcharge or discount for felling trees, for gun ownership, or dog ownership. All they do is decline to WRITE you in the first place.**
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How can I get home owners insurance quotes before I buy a home?
December 1, 2009 by admin
Filed under Buy Home Insurance, Home Improvements, Home Insurance Prices, Home Insurance Quotes, Home Owner Insurance
How can I get home insurance quotes before I buy a home?
I filled out a mortgage app at bank and was aproved. That is as far as I have gotten. Trying to get an idea of how much I am looking at for insurance/taxes in Deer Park TX area for 4 bedroom home (120K) and how do I go about finding a realtor? 25F/1st time buyer.
Speak with an insurance broker. A broker works with several companies and can get you the best price. Good luck!
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