Find Cheap Home Insurance, Even When Your Neighbors are Criminals
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News flash, ladies and gentlemen. Who you are is going to have a huge impact on how much you’re paying for your homeowners insurance. That same principle applies to your neighbors. It’s awfully hard to willingly insure somebody when there’s a very good chance that their apartment is going to be stripped of its electronics the minute the owner’s back is turned, so areas with a high crime rate tend to go hand in hand with exorbitantly high home insurance rates. Here’s a look at how you can get cheap homeowners insurance, even when your neighbors are just lying in wait for the right time to empty out your closets.
First and foremost, if the crime rate in your neighborhood is high enough that you’re having a hard time finding home insurance it might be time to start looking for new digs. Renters insurance people are usually too concerned about where they’re insuring, since they know they’ll get it back from you in the end and they’re not insuring the structure itself. If they’re dragging their feet about issuing you a home insurance policy it might be time to think long and hard about a little relocation.
If relocation isn’t an option for one reason or another take a long, hard look at your home’s security. How secure is it really? Is it like Ft. Knox or are burglars going to feel like they’re breaking into a game of Candyland? A great place to start is by looking at the locks on your front door. Do you have a deadbolt, or are you still sporting the ten dollar hardware store special they put on when they first built the place? Believe it or not, these locks are almost ridiculously easy for a career criminal to break into.
Deadbolts, on the other hand, might not keep out a determined B&E man but it’s certainly going to slow him down-and more than a little. If your door’s not sporting a deadbolt that should be one of the first things you fix. Not only will it actually keep your home safe, it will also go a long way toward helping you find and enjoy cheap home insurance.
If you life in an apartment a home security system is slightly impractical (though not impossible!). If you have digs of your own away from the apartment building, however, you can invest in an electronic security system that not only may be able to save you 30% or more on your homeowners insurance (which is almost worth the price of the installation in and of itself) it can also stop burglars in their tracks. See, B&E men tend to target certain kinds of houses. Namely, the ones they’re least likely to get caught in! Homes with a high tech security system are neither safe nor low key for a burglar and therefore are likely to be given a wide berth when the casual burglar is prowling the neighborhood.
The bottom line is that it shouldn’t matter what your neighbors do when you’re talking about your homeowners insurance coverage, but it does. With some extra precautions, however, you can stop criminals in their tracks and pave the way to cheap homeowners insurance at the same time.
That’s not bad for a day’s work.
Anthony M. Peck is the Senior Developer, Software Project Manager, and Director of Business Development for QuoteScout.com. For more information about your home insurance, visit them on the web at http://www.QuoteScout.com.
