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Designing Your Kid's Room is Child's Play!
Designing Your Kid's Room is Child's Play! By BatSheva Vaknin Would your child's room benefit from some fresh design ideas and reorganization? Most could, but it can be hard to know where to begin and what concepts to use. Obviously, the age...

Georgian And Victorian Style Conservatories
Georgian Conservatories Georgian architecture was the style of the 18th century, especially from the reign of King George I who ascended the throne in 1711, into the reign of King George IV. Design and architecture of the Georgian period...

Jacuzzi - A Brief Overview
Jacuzzi is a brand name of a water pump system used in bathtubs. When people refer to a Jacuzzi, it also means a hot tub or a spa. The terms can be used interchangeably. When shopping for a Jacuzzi or a hot tub, there are several things to keep...

Protect Your Home: Evaluate Your Existing Chimney Caps
While you are cleaning leaves out of your home’s gutters, dealing with Christmas lights, or adjusting a satellite dish, don’t forget to check on your chimney caps while you are up on the roof. Chimney caps are those mesh-sided enclosures (most often...

The Final Walk Through
So you've bought a house. The paperwork is signed and in order, and all that remains is your final walk through. Wait! Your job isn't over. The final walk through can be a crucial step in the home-buying process. While it's true that home...

 
Tips To Reduce Your Home Insurance Costs

All homeowners are looking for ways to reduce our home insurance costs. Costs continue to rise and budgets get tighter and tighter with each passing year. Here are 8 tips to reduce your home insurance costs.

1. Increased Home Security

Most homes are fitted with some sort of security device. To make the most of your Home Security Discount make sure that you home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two make sure that you ask for the savings.

2. Keep your credit score as high as possible.

While it would seem that a good credit score would have nothing to do with insurance rates, it is a fact that they do. Home Insurance companies are using your credit score as an indicator of responsibility. The theory is the more responsible the individual the less claims they will have. So, insurance companies are giving lower rates to those individuals with a better credit score.

3. Consolidate your policies.

Most, if not all companies that sell home insurance, offer discounts for insuring your autos with them. These discounts can sometimes save you up to 30% off of your total insurance bill. Plus, you get the added convenience of having one agent for both your home and auto insurances.

4. Protect your home with updates.

Discuss with your agent about the possibilities of receiving home insurance discounts for keeping your home in good repair. Some home insurance companies will offer savings for a anew roof, electrical, HVAC, plumbing updates. The discounts are generally not enough to warrant the replacement but if you needed it anyway, be sure to get the discounts if applicable.

5. Make sure you are not over insured.

Your home insurance coverage should not necessarily be what you paid for them home. Land values are calculated into the final sales price and should be considered when insuring the structure. In others words you cannot hurt the dirt. A good idea is to call local builders and ask them what new home construction cost per square foot is going for. Take that number, multiply that times your square footage and that is the amount that your home should be


insured for. Companies will not pay more than what it is going to cost to rebuild the home anyway, so make sure you are insured correctly.

6. Stay away from low deductibles.

The deductible is your portion of the claim that must be paid before the insurance company pays for the claim. The lower your deductible, the higher your premium will be. Deductibles can range anywhere from $100-$5000 or more. The majority of homeowners will carry a $500 deductible, but the savings one can receive by raising your deductible to $1000 can be significant, up to 20%. It doesn’t take too many claim free years to make up the difference between the two deductibles, but remember you should never raise your deductible to a level that you could not afford to pay.

7. Ask your Home Insurance Agent

Most of the time, an agent will make sure that you are receiving 100% of the home insurance discounts that you qualify for, but it doesn’t hurt to ask. Some insurance companies have discounts that others do not. Some offer discounts that most would never dream as being a discount such as 55 and retired, non smoking, military service, law enforcement, single parent discounts, etc.

8. Don’t be afraid to shop Around

Home Insurance shopping is easy. Insurance shopping online is even easier. Companies like ours at HometownQuotes.com (yes, I am biased) have given you the ability to get multiple home insurance quotes by filling out a form that takes about five minutes to complete. Also be aware that not all insurance companies are created equal. There are some bad ones out there but most, at worst, are pretty good. Getting the best price is great, but check up on the company offering you that price at reputable insurance rating sites like Moodys.com or AMBest.com.


About the Author: Matt McWilliams is one of the co-founders of HometownQuotes.Com, an online insurance quotes web site. He is considered an expert in the field of online insurance shopping and finding new ways to help consumers save money on their insurance. For more information visit: http://www.HometownQuotes.com

Source: www.isnare.com

 

Home Security Store - Wireless Security Systems for Home Protection
Home Security Store specializes in home security systems, wireless security systems and home security cameras by top name companies like Ademco, ...
www.homesecuritystore.com
 
SMARTHOME - X10, Remote Control, Lighting, Wireless Security
Home automation including X10 protocol support, home networking, remote control lighting, and security.
www.smarthome.com
 
Home > Security
World's Largest Distributor For Home Automation! Free catalog for X10, home security, video surveillance, audio video, phones, automatic controls, pet care, ...
www.smarthome.com
 
Brink's Home Security : Home Security System, Alarm Monitoring ...
Provides customized home security surveillance systems, with services and products including burglar alarms, smoke detectors, intrusion detection, ...
www.brinkshomesecurity.com
 
Home Security – Home Alarms & Home Security Systems Guide
Home Security and Alarms provides information on the current home security devices on the market and monitoring programs from the leading home security ...
www.homesecurityandalarms.com
 
A Guide to Home Security
Home security and DIY shops sell inexpensive, key-operated locks to fit most kinds of windows. You may need more than one window lock, depending on the size ...
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Burglar Alarm Systems at Norco Alarms.com
With today's technology, you can purchase and install a home security ... Whatever your lifestyle, it's easy to choose a home security system that fits your ...
www.norcoalarms.com
 
Howstuffworks "Home Security Channel"
The index to over 400 fantastic 'How Stuff Works' articles!
home.howstuffworks.com
 
#1 Security company for home, business and government - ADT
Security and fire alarm systems for small, medium and large businesses.
www.adt.com
 
The Brink's Company - Business and Security Services
Brink's Home Security - Residential & Commercial Alarm Monitoring Systems ... Brink's Home Security changed the security industry by making ...
www.brinks.com
 
X10.com - X10 Home Security, Wireless Security Camera, Home ...
The home of X10 and America's Favorite wireless Home Security system with No Monthly Fees starting at ONLY $99.99! X10 is the leader in wireless Security ...
www.x10.com
 
Home Security and Commercial Security Solutions - Guardian ...
Sells, installs, and monitors residential and commercial security systems.
www.guardianprotection.com
 
Home Security Information + Common-Sense Safety Tips
Home Security Information -- articles to help you make your home safer and explain various types of burglar alarms and systems.
www.homesecurityinformation.com
 
Compare Home Security - Buy Electronics at Bizrate
BizRate has the lowest prices and best customer reviews for Home Security. Compare prices, find store ratings and read Home Security reviews before you buy.
www.bizrate.com
 
Get a wireless home security system or home security camera from ...
Protect your home with a wireless home security system or home security camera from SafeMart. Affordable alarm systems from GE, Honeywell, Ademco and more.
www.safemart.com
 
Home Security Systems
Get matched to local Home Security contractors for your home improvement projects. ServiceMagic's network of Home Security contractors are prescreened and ...
www.servicemagic.com
 
SecurityandMore Video Security Cameras, Business and Home Security ...
Security cameras, home security systems, CCTV systems and more. Get color security cameras and other quality video home security cameras or digital video ...
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Home Security Cameras & Security Camera Systems
Offers home security cameras & security camera systems, video surveillance equipment, cctv security system, remote monitoring with hidden cameras and time ...
www.surveillance-video.com
 
Home Security - Articles on Home Security Systems
Home security systems. Security system expert. Home security tips and articles to help you make your home safer.
www.home-security-systems.net
 
home security - surveillance equipment - spy cameras - alarm systems
Do It Yourself home security alarm systems, surveillance and theft deterrent equipment, personal security devices, spy cameras,hidden cameras, ...
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  • 10 ways to save on homeonwers insurance

  • 20 gas and electric money savings tips

  • 20 gas electric money savings tips

  • 3 great reasons to shop for home lighting online

  • 5 steps to successful property investment

  • 5 tips for cheaper home insurance

  • 6 really cool things be the king of your castle

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  • 9 home buyer traps and how to avoid them

  • adding stairs into deck railing plans

  • advice about the latest and accurate advice with reference to security doors

  • alarm controls are the brain of your security system use yours when choosing one

  • alarm systems not just for the wealthy anymore

  • aluminium conservatories

  • a guide to garage door openers

  • a guide to natural gas fireplaces

  • a new perspective on home security

  • a new type of home that leaves your wallet fatter and your life easier to manage

  • a quick guide to home mailboxes

  • baby room decorating v nurturing head to head

  • beautifying your basement

  • branded email in the real estate industry

  • buy the right property dont get misled

  • candle proof your home from accidents

  • cctv for the home

  • changing tastes the appeal of the orient

  • checking your chimney caps

  • checklist do i need to replace my chimney cap

  • choosing the right cabinet for your needs

  • choosing the right garage door

  • choosing the right mortgage for you

  • cooking up a lighting plan for your kitchen

  • deck railing designs and ideas

  • designing your kids room is childs play

  • dream house can be a reality

  • dream yard

  • ecology 10 ways to fortify the environment for under 10

  • energy saving ideas for setting holiday lights aglow

  • finding a home loan with bad credit

  • fireplace terms dont need to confuse you

  • first steps in real estate investing

  • flowers online be safe with payments

  • georgian and victorian conservatory design

  • georgian and victorian style conservatories

  • getting started in real estate

  • getting started in real estate investing

  • get rid of air pollution in your home with house plants

  • get safety for your home with home alarm las vegas

  • giving a store and maintain your business tools and equipment with self storage

  • golf course waterfront living live play relax

  • great alarms

  • great ideas for stair railings

  • help ive been robbed

  • help i ve been robbed

  • hey your basement smells an article for people looking to sell their home

  • home decorating and style guide

  • home fire alarms life savers

  • home loans identity theft protection could hurt home sales

  • home mortgage

  • home office feng shui

  • home owner loan 5 tips to get yourself ready for a home loan application

  • home safety for your children

  • home safety tips arm yourself against the threat of a break in

  • home safety tips for seniors

  • home security

  • home security can be simple

  • home security exterior and interior lighting

  • home security how to defend your home when you are away

  • home security how to make your home burglar resistant

  • home security locks and hinges

  • home security patio sliding glass doors

  • home security systems do not discriminate in katrina aftermath

  • home security systems provide a safe environment for family members

  • home security systems you can watch from work

  • home security the doors to your home

  • home security your yard is the first line of defence

  • home selling guidelines which can enhance your property value

  • home warranty the 5 reasons you need to get one today

  • how much will it cost to enclose your carport so it will

  • how thousands of people are buying second homes in spain

  • how to choose a camera system

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  • how to choose your jewelry armoire

  • how to create an oasis of serenity with a backyard garden hot tub

  • how to finance a new extension

  • how to finance a new kitchen

  • how to find and install the best hurricane windows

  • how to modify your landscaping to protect your house from burglars

  • how to save your home from foreclosure

  • how to ward off house thief

  • ideas for deck railing designs and free plans

  • ideas for your interior christmas decorating

  • index

  • inspecting a home

  • is a townhouse for you

  • is big brother watching you or are you watching big brother

  • jacuzzi a brief overview

  • jupiter microlite the facts you need to know

  • keep intruders out of your home with home burglar alarm systems

  • know what you need to buy home security system

  • lake havasu real estate

  • lighting for seniors

  • light up the night quick facts about outdoor lighting

  • light up your garden and brighten your life

  • mirrored cabinets add functionality and fashion to bathrooms

  • motion detector technology

  • need a house and pet sitter while youre away but think you cant afford it think again you can find a house sitter who works for free

  • negotiating the sale of your home

  • one room apartment to tuscan villa rules to make your decorating a success

  • open houses are they worth it

  • outdoor lighting fixtures great selection available online

  • patio canopies protecting your patio from the elements

  • patio ponds

  • plan your budget before investing on a property

  • power outages how can homeowners prepare

  • prerequisites while qualifying for a home loan

  • protection against people with evil intentions towards you

  • protect your home evaluate your existing chimney caps

  • ready to move consider remodeling instead

  • real estate management firms make your investment easier

  • rebuilding after katrina smart energy choices

  • remodeling online

  • reverse mortgages getting a good deal in 3 easy steps

  • rotator

  • safety with style in the bath

  • scented candles take me away

  • secrets of the screw

  • securing upvc door locks with multipoint door lock cylinders

  • security cameras for your peace of mind

  • security in todays world

  • seeing the light

  • selecting replacement windows

  • selling mobile homes information

  • selling your home a fsbos guide to keeping it safe

  • sleeping beauties porches for dreaming

  • solar residential outdoor lighting is becoming the product of choice for millions of consumers

  • so you want to be a house sitter heres how to find a house sitting assignment and you wont be paid a cent for your efforts

  • sprinklers provide best chance for surviving a house fire

  • stair railings for home decorating

  • stop dreaming magically transform your garden by night

  • store seasonal items in your own self storage unit

  • styles and varieties of locking mailboxes for sale

  • style and perfection in home decoration with plantation shutters

  • style your home with decorative plantation shutters

  • successfully installing soundproof windows

  • ten commandments for first time residential property investors

  • the advantages of underwater fishing cameras

  • the final walk through

  • the gardener the salsa and a day at the ranch

  • the most sensible investment decision youll ever make

  • the right time to buy your first home

  • the ten essential storage principles of an extraordinary home

  • the top 5 things you need to know if you are buying or selling a home

  • thinking about home improvement then heres a checklist

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  • windows and doors enhance home safety

  • wired its more than the name of a magazine

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