InsuranceAgents.com Stresses Awareness to Homeowners Seeking Insurance Quotes

The more homeowners understand home insurance policies the greater the likelihood they will receive adequate and affordable premiums. End Quote

There are many factors that can and will have an influence on your home insurance.

Chicago, IL (1888PressRelease) September 07, 2009 - Sometimes the best way to find low-cost homeowners insurance is simply by staying aware on which factors influence your premium the most, according to a new InsuranceAgents.com article. By being educated on the ins and outs of homeowners insurance and the factors that draw the line between affordability and out-of-budget costs, a homeowner can find the most suitable policy for their property.

“There are many factors that can and will have an influence on your home insurance. The condition of your home, for one, can mean the difference between inexpensive homeowners insurance quotes and rates that go through the roof,” the article, ‘Homeowners Awareness: Be Educated,’ states.

For many homeowners who are constructing their own home, this is particularly important. Don’t get carried away with the look and polish of your home; keep in mind that the features and materials you include now can either save or cost you money for as long as you live in that home.

There are a variety of home features that can cause your home insurance rates to be very cheap or be very steep. Here are a few to look out for:

1. Electrical wires. Interior and exterior wiring, switches, receptacles, wires, panels, and breaks should be in tip-top shape and not exposed.
2. Roof. Keep in mind that materials are usually quoted per square yard and labor per square foot.
3. Fireplace. “If you have a fireplace in your home, expect for your insurer to inspect it. Most fireplaces have been built out of brick or stone by masons, but recently prefabricated fireplaces and manufactured inserts are used in combination with wood construction housing a stovepipe,” the article states.
While these features are very important, they are only a few of the influencing factors. Your insurer will likely inspect every corner of your home before determining a set premium. Talk to your home insurance agent about which parts of your home are costing you money and for more ways to save.

staff contribution: Meha Ahmad

Visit InsuranceAgents.com for more information.

http://www.insuranceagents.com/homeowners-awareness.html

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