Saturday, February 7, 2009

Better Arizona Homeowners Insurance -- Easy Ways To Save

By Chimezirim Odimba

You'll easily spend less for sufficient Arizona home owners insurance coverage if you get and use the right tips. But on the other hand, if you get the wrong advice, even though you may still make huge savings, you will do so by downgrading the quality of coverage you get. If you want tips that you can use to save much and at the same time enjoy adequate coverage, read the following...

1. Make the exterior of your home fire-safe and you will lower your Arizona homeowner insurance premium. You'll do well if you ensure there's nothing that's inflammable close to your home. Even though cutting bushes around your home looks mundane, you will get cheaper premiums if you do keep them at a distance of at least 10 feet from your structures. The likelihood of a fire in a house is a very strong factor that shapes your Arizona home owner insurance premium.

2. You'll as well enjoy a discount if you have motion-sensitive lighting on your property. Burglars generally don't like to operate in any place they could be easily noticed or caught. The risk of burglary is a key factor in checking a home's risk to an insurance company and, consequently, your premium.

3. Getting dead-bolt locks on all exterior door will reduce your Arizona homeowner insurance premium. This makes it difficult for intruders or burglars to have their way. And since a home's risk of burglary is a major factor in calculating your Arizona home insurance rates, you'll pay far less.

4. Take out some time to visit at least five insurance quotes sites that provide quotes on home insurance policies. It will take you not more than 25 minutes. As you visit each site, make sure you give the same information. Doing otherwise will produce misleading results. When you've received your home insurance quotes, compare them to determine which serves your interest best in price/value.

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