Home Insurance in Dallas and Saving Money
Published Wednesday, October 22, 2008 by bloggerblognet22596.
Finding affordable Dallas home insurance is pretty easy if you spend a little time on the Internet. Here are some tips to help you lower your homeowner insurance costs.
If you are purchasing a home in the Dallas-Fort Worth area, keep in mind things that can affect insurance costs:
Materials -- Wood homes often cost more to insure than masonry.
Age -- New homes, with updated electrical and plumbing may cost less to insure.
Location -- Location can affect rates in a couple of ways. First, homes in higher-crime areas often cost more to insure. Second, if the home happens to be in a rural fire department district, this may affect your premium for some insurance companies.
Weather -- Dallas and northern Texas endure some pretty severe weather. A history of flooding, tornadoes and high winds has caused millions of dollars in claims, which are often considered by companies when developing ratings for the area.
Now to save money on your home insurance premium, it's a good idea to get some quotes from different companies to see which has the lowest costs. Also, the Texas Department of Insurance Web site provides price comparisons of different insurance companies in different areas such as Dallas County rural, Fort Worth/Benbrook, Plano, Mesquite and more. These are just ballpark comparisons, but they can also give you names of companies you might want to contact for quotes.
Or, you can use an insurance comparison Web site to get quotes. These sites let you fill out an online quote request form, then provide several competitive quotes back so you don't have to be contacting companies individually. Since rates can vary from one company to the next for the same coverages, it's important to get at least three different quotes.
If you already have a home and homeowners insurance, it's still a good idea to get some comparison quotes and see if you can lower your rate. This is actually one of the biggest ways to save money on your home insurance. Other ways include:
Increasing your deductible -- Raising your deductible could lower your yearly premium by quite a bit.
Taking advantage of discounts -- See if you can get discounts for deadbolt locks, fire alarms or insuring your vehicles with the same company. Most companies offer these discounts and more.
Compare Dallas home insurance quotes
Justin Scott is a free-lance writer and recommends the comparison site LowerYourInsurance.com for up to five free homeowners insurance quotes in Texas and all other states. You can also get more tips about saving on your home insurance.
refinance foreclosure loansFHA Hope For Homeowners
Blogger BlogNet52438: Oct 22, 2008
Recent Posts
- Start an Online Business - Making Money Online Sta...
- Blog Comments Sense
- Make Money Blogging
- What is a Business Blog?
- Blog Power - Who's Afraid of WordPress?
- Have You Seen These 4 Blogging Tips
- Blog Power - Who's Afraid of WordPress?
- Overcoming Writer Worries and Blogging Blocks
- Blogging - 7 Key Steps to Make More Profit With Bl...
- Work From Home Through Professional Blogging
Archives
- Mar 16, 2008
- Mar 18, 2008
- Jul 21, 2008
- Jul 26, 2008
- Jul 29, 2008
- Jul 31, 2008
- Aug 1, 2008
- Aug 2, 2008
- Aug 3, 2008
- Aug 4, 2008
- Aug 5, 2008
- Aug 6, 2008
- Aug 7, 2008
- Aug 8, 2008
- Aug 11, 2008
- Aug 13, 2008
- Aug 14, 2008
- Aug 15, 2008
- Aug 16, 2008
- Aug 17, 2008
- Aug 18, 2008
- Aug 19, 2008
- Aug 20, 2008
- Aug 21, 2008
- Aug 22, 2008
- Aug 23, 2008
- Aug 24, 2008
- Aug 25, 2008
- Aug 26, 2008
- Aug 27, 2008
- Aug 28, 2008
- Aug 29, 2008
- Sep 2, 2008
- Sep 3, 2008
- Sep 4, 2008
- Sep 5, 2008
- Sep 6, 2008
- Sep 7, 2008
- Sep 8, 2008
- Sep 14, 2008
- Sep 15, 2008
- Sep 16, 2008
- Sep 17, 2008
- Sep 20, 2008
- Sep 24, 2008
- Sep 29, 2008
- Sep 30, 2008
- Oct 1, 2008
- Oct 2, 2008
- Oct 6, 2008
- Oct 7, 2008
- Oct 8, 2008
- Oct 9, 2008
- Oct 11, 2008
- Oct 12, 2008
- Oct 13, 2008
- Oct 15, 2008
- Oct 16, 2008
- Oct 19, 2008
- Oct 21, 2008
- Oct 22, 2008
- Oct 27, 2008
- Oct 28, 2008
- Oct 29, 2008
- Oct 30, 2008
- Oct 31, 2008
- Nov 3, 2008
- Nov 4, 2008
- Nov 5, 2008
- Nov 7, 2008
- Nov 8, 2008
- Nov 9, 2008
- Nov 10, 2008
- Nov 11, 2008
- Nov 12, 2008
- Nov 13, 2008
- Nov 14, 2008
- Nov 16, 2008
- Nov 17, 2008
- Nov 18, 2008
- Nov 20, 2008
- Nov 21, 2008
- Nov 22, 2008
- Nov 26, 2008
- Nov 27, 2008
- Nov 28, 2008
- Nov 29, 2008
- Nov 30, 2008
- Dec 1, 2008
- Dec 2, 2008
- Dec 3, 2008
- Dec 4, 2008
- Dec 5, 2008
- Dec 6, 2008
- Dec 7, 2008
- Dec 9, 2008
- Dec 15, 2008
- Dec 16, 2008
- Dec 18, 2008