But before you jump online and start randomly filling out forms it might do you well to take a moment and learn the best way to fill out each form so that you will realize the largest savings possible each month on your insurance.
Fortunately many of the things you can do that will lower the cost of your homeowner's insurance are quick and easy to do.
For example, trim bushes away from windows so that burglars have no place to hide. Adding motion sensitive lighting to your property will also keep burglars at bay and should save you money on your homeowner's insurance.
Make certain that every exterior door on your property has a deadbolt lock and that every single window, regardless of which floor it's on, has a working lock.
Fill in all potholes to reduce the possibility of someone being hurt on your property and filing a lawsuit. Replace all cracked or buckled concrete and repair any lose or broken floorboards on porches or decks. Make sure all porch and deck railings are secure.
The most common reason homeowner's file claims against their insurance company is because of water damage caused by broken water pipes. Ask your agent how much you would save every month on your homeowner's insurance if you upgraded your plumbing and/or electrical systems. Making a one-time investment in such upgrades could pay off handsomely for years to come.
Installing a home security system that monitors your home 24/7 is not only good for your peace of mind, such systems can also save you as much as 20% on your homeowner's insurance every single month. Consult your agent before agreeing on any particular system, however, as not all systems qualify for the full insurance discount.
If you have a home-based business ask your tax consultant if a portion of the cost of your home protection system can be made tax deductible. Having a tax savings on top of your insurance savings can make such systems almost free.
Make certain that you have installed the proper number of fire, smoke and carbon monoxide detectors for your size home and for your home's layout. Also make sure that every detector has a fresh battery twice yearly.
Buy a kitchen-rated fire extinguisher for your kitchen.
Pay your premiums yearly rather than monthly. If that's not possible then arrange for your premiums to be paid automatically each month. Your insurance company will pass the savings on to you in the form of a reduction in your monthly premium.
Consolidating all of your different insurance policies with the same insurance company will earn you a Multi-Policy Discount every month.
When was the last time you looked at your deductible? If you can afford to increase your deductible you will lower your monthly cost of insurance immediately. Obviously care must be exercised so that you do not agree to pay a larger deductible than you can actually afford.
Don't make small claims. The longer you can go without filing a claim the lower your rates will be.
Finally, buy your homeowner's insurance online. This is where you learn exactly how to compare low cost homeowner's insurance in West Virginia and save as much money as possible.
First, do not rely on just one homeowner's insurance comparison website. If you use just one website you will only see the prices from a very small number of insurance companies. Instead, make your comparisons on a minimum of 3 different price comparison websites.
Second, using the information you have learned from this article, fill out the forms on all three websites EXACTLY the same. Only in this way will you actually be comparing the same policy on every website. This will make your comparisons meaningful and will end up saving you the most money.
Once you have run your comparisons on all three sites then it is simply a matter of reviewing your results and choosing the best price from among those companies which you feel will still be around in 30 years.
That's it. That's all you really need to do in order to compare low cost homeowner's insurance in West Virginia and save as much money each and every month as you possibly can.