Shaving Big Buck-Buck-Bucks Off Your Oklahoma Homeowners Insurance Premiums
Who didn't love the Chicken Man on Toy Story II-before he took off with Woody, of course! The whole concept of saving big buck-buck-bucks on something as important as entertainment for our children is incredibly appealing. What would you say if we told you that you could save those same buck-buck-bucks just by shopping smart for your Oklahoma homeowners insurance policy?
Never sign on the dotted line for a homeowners insurance policy until you know your home's in good hands.
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Wouldn't it be nice if someone had told them that before they signed on the dotted line?
Believe it or not, it is possible to save those same buck-buck-bucks on your homeowners insurance premium without giving up the protection you and your family not only need, but deserve. Hey, if you had a couple hundred thousand dollars lying around, couldn't you think of something better to do with it than rebuild your home after a windstorm? Everyone deserves that chance, which is why the Oklahoma Insurance Department has set out to educate Oklahoma homeowners on how easy it is to save money on their homeowners insurance.
They key to saving big bugs on your insurance premiums is to keep an eye out for opportunity. You'd be amazed what will save you money these days!
The Construction of Your House
Oklahoma might not be San Diego, riddled with earthquakes, fire, flood and any other natural disaster Mother Nature wants to pull out of its deck, but even in Oklahoma bad weather, electrical shorts and bursting pipes can spell trouble with a capital "T" for your home. Have your home inspected to make sure your pipes are healthy (and well insulated against Oklahoma winters), your roofing materials and your electrical wiring are up to code (especially if you own an older home) and your foundation is sturdy and insulated against winter flooding.
Home Security
Deadbolts, electronic security systems and bump-proof locks might seem like an unnecessary hassle when you live in a "nice little community", but let's face it-in today's world, you just never know. That's why Oklahoma homeowners insurance providers are handing out discounts left and right to savvy homeowners who are locking their homes up tighter than Fort Knox.
Community
Did you know the community you live in has almost (but not quite) as much to do with how much you pay in homeowners insurance as your home does? Living in a cleared area near a fire hydrant in a community with a professional Fire and Rescue squad minimizes the chances of fire demolishing your home before help can arrive and cuts back on your insurer's bill when they have to pay the damage. Can you say buck-buck-bucks back in your pocket?
Deductibles
Every time you file a claim with your homeowners insurance provider you're going to pay a deductible to help cover the cost of the repairs to your home. The higher that deductible is, the less you're going to have to pay each month. Just make sure you don't set your deductibles higher than you can legitimately manage. The last thing you want is to be left out in the cold because you assumed you'd have $3,000 to pay your deductible that just isn't there-or worse, assumed you wouldn't need to pay a deductible at all.
Say Goodbye to the Nine to Five Grind
Did you know that most retirees and people working from home actually pay less to insure their Oklahoma home? The reason is simple-when you're home all day you are statistically less likely to be robbed, and you're readily available to respond quickly in an emergency.
See? Saving money on your Oklahoma homeowners insurance policy isn't as hard as you thought. Now what are you going to do with those buck-buck-bucks? I hear Bermuda's nice this time of year…