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Sunday, May 10, 2009

Getting Cheap Louisiana Home Owner Insurance Quote

By Chimezirim Odimba

How far have you gone in taking steps to get very affordable Louisiana home owner insurance rates? Have you restricted yourself to only tips that your friends shared with you a long time ago? Won't you love to get more tips considering that will translate to saving even much more? I have some more proven tips here...

Endeavour to have fire extinguishers at strategic points in your home. Your kitchen is one important point to have one or more functional fire extinguishers. It's crucial that the fire extinguisher be good enough for the point it covers.

Place them within easy reach and ensure they are in good working condition. Doing this will help you reduce your premiums.

Do routine maintenance of your home if you want reduce rates. Ensure there are no dead limbs on trees on your land. They could raise a liability claim. Such a good maintenance routine would lower your home insurance premium.

Don't insure your house along with the land it is standing on as this will cost you more but needless. Those who ignorantly do this are paying a lot more than would be of any benefit. You have made same mistake if you insured your home for the price you purchased it without finding out the cost of the land it's standing on and deducting it.

For folks who have mistakenly done this, meet with your agent and go through your Louisiana homeowners' insurance coverage again. Subtract the land's cost and you'll realize that you will need far less coverage.

Your rate will be more affordable and you'll still have sufficient coverage if you do this right. Don't ever forget that insuring the land your house is standing on is plain waste of money since it does you no good whatsoever.

A swimming pool is definitely one important feature that makes it a dream home. But do you realize that it increases your rates substantially especially if you don't take necessary safety measures?

You can, however, reduce the risk linked with owning a swimming pool by taking steps your agents would advice.

You can lower your home insurance costs by getting and comparing Louisiana house insurance quotes from at least five good quotes sites. - 23211

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1 Comments:

At November 3, 2011 at 3:04 PM , Blogger Roy D. Slater said...

Where should I be looking to find the best homeowners insurance quotes? I've thought about starting online, but I'm not sure how good of a quote I can get. Any ideas?

 

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