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Home Insurance For Phoenix Residents - A Savings Primer

Published Thursday, August 28, 2008 by bloggerblognet4542 | E-mail this post

Home owners in Phoenix haven't been immune to the affects of the housing slump as some people have seen property values stabilize and even decline. You can still save on home insurance in Phoenix, Scottsdale, Mesa and elsewhere in the Valley of the Sun. Here are some things to keep in mind.

Make sure your home has the right amount of coverages. You don't need to insure the land your home sits on. Also, though home values may decline, construction costs usually don't. So you want to make sure your home insurance coverages stay up with the cost to replace your home in the event of a loss.

One of the easiest ways to save on your homeowners insurance is to comparison shop. This is because rates vary from one company to the next in Arizona. Most people don't spend any time shopping for a better rate on their home insurance, even though they may spend time shopping for lower gas or grocery prices. By getting a few quotes from different companies, you could lower your property insurance costs by hundreds. And it doesn't take that long.

You can call agents or companies listed in the phone book, or for more convenience, use an online insurance comparison site. This type of site doesn't represent a single company. Instead, agents and companies that do business in Phoenix compete to give you the best value. You simply fill out one quote request form online and get several quotes back. You can then follow-up on the quote you like best.

Also, you can lower your insurance costs through discounts. There are several discounts available that could save you anywhere from five to 20 percent. These include insuring your home and vehicles with the same company, installing smoke detectors and a burglar alarm, upgrading your electrical and more.

Another way to lower your home insurance costs is to increase your deductible. A higher deductible could cut your premium quite a bit. You want to make sure you'll be able to come up with the deductible in the event of a claim. One idea is to put the extra money you've saved from a lower premium into a savings account which you could draw on for your deductible.

Compare home insurance in Phoenix

Writer Justin Scott recommends the free insurance comparison site, LowerYourInsurance.com to get up to 5 free quotes on home insurance in all parts of Arizona. The site also features tips about saving on home insurance.

Blogger BlogNet23975

Home Insurance For Phoenix Residents - A Savings Primer

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