Do you have a vacant house that you need insured? Want to get cheap vacant house insurance with a top-rated company? Read on ...
Vacant House Insurance Tips
If you own a home that's vacant you want to protect it from vandals, burglars, fire, and acts of nature. Here are some tips on how to protect your vacant house:
* Make sure you secure all doors and windows with deadbolts and window locks.
* Install a burglar alarm. The best alarms use motion sensors and glass-breakage detectors and are linked to a local security service.
* Give you house a lived-in look. Install intermittent light timers, have a neighbor pick up your mail, and have someone shovel your driveway after a snowfall.
* Ask a neighbor or hire someone to periodically check the outside and inside of your home for damage, especially after a storm.
Getting Cheap Vacant House Insurance
Vacant house insurance is generally more expensive than regular homeowners insurance because there's no one living in the house to watch and protect it. However, if your house is vacant for only a short period of time, or if you hire a caretaker to look after it, your insurance rate will be less.
Other ways to save money are:
* Purchase your vacant house insurance and your car insurance from the same company. This can save you up to 30% on your insurance premium.
* Raise your deductible to an amount you can afford. Raising your deductible from $500 to $1,000 can save you 15% to 25%.
* Install safety and security features like dead-bolt locks, window locks, smoke detectors, fire alarms, and sprinkler systems. This can save you 5% to 20%.
* Compare insurance rates with at least three different companies. This is the biggest money-saver of all, as insurance rates can vary by as much as $1,000 or more from one company to another.