Stop Singing that Same Ol' Tune! Finally Uncover the Secrets of Cheap Washington Home Insurance

Stop Singing that Same Ol' Tune! Finally Uncover the Secrets of Cheap Washington Home Insurance

 

Cheap home insurance doesn't have to be a dream anymore.

Ah, is there anything sweeter to the ears than the sound of your Washington home insurance provider singing the exotic aria of cheap home insurance? It's a vast improvement over the steady beat of the "I'm paying too much for my insurance coverage" blues, that's for sure! But are you jiving along with that sweet harmony, or are you stuck in the audience because you haven't figured out how to sing along?

The good news is there's no secret to cheap home insurance. Not really. It doesn't matter where you are in Washington, home insurance companies only want one thing-to make a sound investment. Would you invest your money in something that was guaranteed to cost you a lot more than you ever got back? Absolutely not! Guess what? Neither will your insurance provider!

So, if you're going to figure out how to pinch a penny until it sings you're going to have to start thinking like an insurance carrier. No, I'm not talking about the ones on television that make promises they don't intend to keep and end up leaving people holding the bill for hundreds of thousands of dollars in home insurance repairs because they managed to find a legal loophole and wriggle out of their responsibilities. Yes, those homeowners insurance companies are out there (witness what happened after Hurricane Katrina!) but they're the exception rather than the rule.

What you want to do is think in terms of profit and loss. You want one, and you want to get rid of the other one. In other words, what can you do to minimize the chances that your homeowners insurance company is going to have to pay out an insurance claim?

First and foremost, how burglar proof is your home? Are you home often, or is your house a weekend getaway between business trips? Worse, is your home a vacation home? (You might be the only person in history to have a vacation home in Washington, but you never know…)The more time you spend at home the less chance there is that your home insurance provider is going to have to replace its contents courtesy of a burglar with more ambition than sense!

You'd be amazed at how far a personal fire extinguisher will go when it comes to saving you money on your homeowners insurance. Along with an electronic alarm system that connects you directly to your local law enforcement and fire and rescue departments. Something about knowing that you can cut disaster off at the pass before it has the chance to devour your house tends to make your homeowners insurance see you as a slightly safer investment.

When you go shopping for your next home, whether you're upgrading for a new arrival or downsizing because that new arrival is (finally) flying the nest, keep your insurance premiums in mind. Every Washington home insurance company doing business inside state lines loves homes that are close to fire hydrants, away from tall, unstable trees and conveniently located in an area with a professional fire and rescue team. No, your insurance doesn't have to be the only thing you think about (making sure you have enough bedrooms to keep your kids from killing each other is still an important consideration!) but it should definitely make the list.

Finally, consider raising your deductibles. Seriously. No, you don't want to have to pay out any more money, but think about it for a second. What do you do more of-file home insurance claims or pay your monthly premiums? Exactly. If you're filing a home insurance claim once a month it's time to start thinking about buying another house! Most experts recommend setting your deductibles at or near $1,000 an incident, which will lower your insurance premiums dramatically without putting your deductibles too far out of reach.

Follow these simple steps and before long you'll be singing the like a canary while you bask in the glow of your new savings.

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• Stop Singing that Same Ol' Tune! Finally Uncover the Secrets of Cheap Washington Home Insurance - Jun 19, 2009 - 11:01:17 PM