| If you've been wondering why your home owners | | | | extensive renovation? If yours is an old home, then |
| insurance policy is as expensive as it is presently, I | | | | expect to pay higher home insurance rates than a |
| can give you a few reasons. If you correct those | | | | similar profile that lives in a brand new home. The |
| that you can, you'll see your rates fall by as much as | | | | features of a brand new home are most likely to be |
| 50% depending on your profile, coverage needs and | | | | in excellent conditions. This means that the likelihood |
| how you went about your present policy in the first | | | | of claims is far lower. So look well if you're about to |
| place. Let's look at those things that cost you much... | | | | move home. |
| Living far away from a police station or a fire station | | | | Now, it's possible that most of these may not apply |
| will make you pay more. If you live far away from | | | | to you. This one should. If it doesn't then your rate is |
| both, your rates will be substantially more. If you're | | | | certain affordable. |
| about buying a new home or renting one, look at the | | | | Did you get and compare home insurance quotes |
| following: The closeness of the home to a police | | | | from up to five or more quotes sites before buying |
| station, fire station and fire hydrant. | | | | your current policy. If you didn't visit this many sites |
| The level of security you have or don't have in your | | | | for quotes then chances are high that you missed |
| home is another factor that makes you pay a lot | | | | better offers. |
| more. If your house has burglary proofs, for | | | | So while a number of the factors listed here might |
| example, you'll pay far lower rates than another | | | | not be within easy reach for you to change, getting |
| home owners insurance policy holder whose house | | | | and comparing quotes from five or many more sites |
| has none. So do your utmost to increase the security | | | | is something you can do straight away. And, won't it |
| gadgets you have in your home. | | | | be a smart move if you did something that takes |
| How old is your home? That is, how long ago was it | | | | only minutes but saves you hundreds if not |
| built? If it's an old house, when last did it undergo | | | | thousands of dollars? |