1. The newer a home is, the lower the rates you'll get all other things being the same. A new home will attract savings of between 8 to 15 percent from most insurance companies. This is so since everything in a brand new home will normally be in great shape. Furthermore, all about its structure is normally in the best condition. This means lower risk to the insurance company and more affordable quotes for you.
2. If you've renovated your home recently, you qualify for discounts. The reason for this is that in the same way the systems and features of a new house are in excellent condition, a renovated home also has its system, features and structures brought back to excellent shape. The extent of the renovation carried out will determine by what factor your rate will be reduced. Just ask your agent.
3. The material used in your home's construction could also determine what you pay. Those in the East save if their home is built with brick. If you compare a brick house to a frame house, you'll agree with me that the brick home will be more resistant to wind damage. For Westerners, conversely, you'll get more affordable quotes if it's a frame home. This is since earthquakes are perils in the West and homes built with frame are more resistant to earthquakes. Choosing the better material for your home will attract up to a 15 percent discount depending on the insurer.
4. Subtract the value of the land when buying your home insurance policy. This is to give coverage over what could be lost or stolen. Remember that the land on which a home rests can neither be lost nor damaged. Remember to use the cost of the house minus the land when applying. This is so since doing otherwise will mean you're buying far more than necessary. This translates to higher avoidable premiums.
5. Here is a sure way to get better rates in Boston even if you have bad credit: You could save several hundreds of dollars by just getting and comparing Boston home insurance quotes from many insurance quotes sites. And, it will take you only a total of 15 minutes.
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