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7 Sure-Fire ways of reducing your home insurance premium Home security improvement: All insurance companies will happily offer you a discount for burglar alarms and smoke detectors. Homes with fire and burglar alarms that communicate with a third party monitoring company receive a higher discount on their insurance premiums. When possible, choose a higher deductible: To reduce your premium, it is best advised to increase the deductible to the extent you can afford. Your home insurance premium will fall by as much as 20% if you increase the deductible from $200 to $1000. Multiple insurance – Same provider: If you consolidate your home insurance and auto insurance with one insurance company, expect a premium reduction between 10 – 15%. This also means you are making one payment for all your insurance needs. Consolidate and win. Discount for non-smokers: Some home insurance companies will offer a non-smoker discount to the tune of 15%. Check with your insurance company if they offer a non-smokers discount. How far is the fire station? If you live more than 5 miles from the nearest fire station and more than 1,000 feet from a fire hydrant, you can expect a higher premium. Also if you live in the country, you will probably pay higher insurance rate than if you were living in the city. Type of construction: The construction type of your home also plays an important role in determining your insurance premium. A wood frame home will cost more to insure than the one built mostly of concrete. Claims free record and renewal discounts: If you have not had a claim under your current home owners policy for the past 3-5 years, you will get a 15% discount on your premium. Expect additional discount if your policy has been in force with the same insurance company for 3 years or more. Conclusion: I am hopeful you have gained preliminary knowledge on the subject of home insurance premiums. With these helpful tips you will be able to understand and demand discounts on your home insurance premiums. Good Luck! About the Author "@Copyrights 2005" - Bill A Smith is an insurance agent and insurance advisor for Sunshine home and auto insurance services. Bill has over 10 years of experience in providing insurance services to clients.

Home Security News

Social Security checks, child's clothes stolen (The Buffalo News)
A Koons Avenue mother reported that someone broke into her home Friday afternoon and stole all of her child's back-to-school clothes and her Social Security checks, Buffalo police said.

Guatemala court orders arrest of presidential security chief for espionage (New Kerala)
Guatemala City, Sep 7 : A Guatemala court has ordered the arrest of former head of presidential security for spying on the president's office and home, evidence of which was discovered last Thursday, EFE news agency reported Sunday.

In Morocco, Rice cites business, security ties (AP via Yahoo! News)
Secretary of State Condoleezza Rice wrapped up her visit to North Africa with talks Sunday on expanding the close business and security ties between the United States and Morocco.

Home Ministry directs police to establish law and order (Nepalnews. com)
The Home Ministry, on Saturday, issued instructions to the police to establish law and order. The Ministry addressed the Nepal Police chief IGP Om Bikram Rana to enhance security, control smuggling and revenue leakage, control activities of Tibetan refugees and improve traffic situation.

Thief steals back-to-school clothes and mother's Social Security check (The Buffalo News)
A Koons Avenue mother reported that someone broke into her home Friday afternoon and stole all of her child's back-to-school clothes and her Social Security checks, police said.

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