Save On Homeowners Insurance

Save on Homeowners Insurance from the Ground Up
If you’ve been looking at homeowners insurance, you know that it isn’t cheap; there are, however, plenty of ways to save money on homeowners insurance. Some of these solutions start from the ground up, so if you’re getting ready to build a home, here are some great ways to save on homeowners insurance.
Build Smaller

The trend over the past several decades has been to build bigger and bigger homes, known as McMansions by critics of this practice. Well, bigger homes are more expensive to build, so they’re more expensive to insure. Before you start laying out plans for your 4,000 square foot dream home, think about whether or not you really need that much space. A good way to do this is to take an inventory of the space you already use in your current home. For instance, do your kids hang out in their own rooms enough to justify them each having a large bedroom, or should you downsize the bedrooms in favor of a bigger common play area? If you have a formal dining room, how often do you actually use it? Do you need both a living room and a family room, and how many times a year does that guest bedroom see use?Home Insurance

It may not be your style to build a smaller home, but you should at least consider it. Building smaller will help you not only save on homeowners insurance but also save on your utilities, as smaller houses are cheaper to cool and heat. Also, building a smaller home may leave you money in your budget to add luxury items like fantastic appliances and a deluxe master bathroom or whatever else you’d like to spend money on.
Build Smarter

Green homes are really fashionable right now, and you can actually build an environmentally friendly home that doesn’t look weird. Plus, some green building materials can actually help you save on homeowners insurance because they’re more resistant to fire and storm damage, two major causes of insurance claims.
One such building material is concrete. Yes, you heard that right. What builders can do now is build foam molds in any shape they want, and then they pour concrete into the molds. They also run steel through the concrete to stabilize it. As a result, you have a home that is incredibly fire-resistant, mold-resistant, and able to stand up to the strongest winds. Insurance companies like this, and your company may give you a great discount on homeowners insurance.

Build More Secure
Another thing that insurance companies like to see, especially if you have a lot of valuables in your home or if you’re insuring a home in a break-in prone area, is security systems. Talk to some security specialists and your builder about incorporating a security system into your home from the ground up, and you may save on homeowners insurance.

For More Information Please Visit:http://homeinsuranceagents.com