Most homeowner’s choose to buy homeowner’s insurance even after they’ve paid off their mortgage and are no longer forced to do so. The reason is obvious: for most people their house is their biggest investment and their most valuable asset and they want to do everything they can to protect it.
Of course that doesn’t mean that anyone wants to pay any more than they have to for their insurance. So how does a homeowner save money and get discount homeowner’s insurance in New Jersey?
Ultimately it comes down to getting online and comparing prices among the various insurance companies and then choosing the best price from a company that you trust to be around thirty years from now.
But before you can get online and compare prices, you need to have created a policy that you can compare at a variety of different insurance companies. To create that policy we need to look at some simple things you can do to keep the price of your insurance low to begin with.
Let’s start by making your property less attractive to would-be burglars. Adding motion-sensitive floodlights to your property is a fairly easy thing to do. Also easy is to trim all bushes back away from your windows so that burglars don’t have a safe place to hide while breaking into your home.
While we’re at it, let’s make certain that all exterior doors have a good, working deadbolt lock and that all windows, even those on upper stories, have a good, working lock.
Before heading indoors let’s make certain that all brush and all weeds are cleared for at least ten feet around all structures on your property. This will reduce the danger of fire to your property.
If you have any cement walkways that are cracked or buckled it’s time to replace them. If you have loose floorboards on a porch or deck, or you have wobbly railings you need to fix or replace them. Any potholes on your property need to be filled.
Inside you need to install the requisite number of fire and smoke alarms and you need to make certain that all of them are working. Don’t forget that batteries need to be changed twice yearly – many people change their batteries at the same time that they set their clock forward or backward an hour.
Buy a fire extinguisher for your kitchen (make sure it is a model specifically designed for kitchen fires).
Once you’ve done all of those things you are ready to put together a dream homeowner’s insurance policy that reflects all of the work you’ve done and then get online are compare the price of your dream policy at different insurance companies.
You’ll want to take out a policy that is large enough to cover the rebuilding of your home from the foundation up and large enough to replace all of your possessions. However, when figuring the cost of rebuilding your home do not add in the value of the land that your home sits on. The land isn’t going anywhere.
Be sure to take the time to make your comparisons on at least 3 different websites so that you’ll be sure to see the prices of all the insurance companies selling policies here in New Jersey. Then it is simply a matter of picking the best price from a company that you feel comfortable with – and then counting your savings month after month, year after year.