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.

By: Brian Stevens

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Looking for cheap house insurance rates online? Here’s how to get the best rates with a top company.

House Insurance

House insurance consists of four distinct areas of coverage. They are …

1. Property coverage – pays to repair or rebuild your house if it’s been damaged by vandals, fire, burst water pipes, or storms and other acts of nature. Standard coverage does not pay for damages caused by hurricanes, floods, or earthquakes, so if you want to cover these disasters you’ll need to buy additional insurance.

2. Liability coverage – pays for another person’s medical bills and property damage repairs when you’re found to be at fault. This coverage also covers damages done by your family members living in your home.

3. Personal property coverage – pays to replace any personal possessions – clothing, furniture, appliances, electronics, tools, sports equipment, etc. – if they’re damaged by vandals, fire, burst water pipes, or storms and other acts of nature. Standard policies do not cover expensive items like jewelry, furs, or silver, so you may need additional insurance for these items.

4. Loss of use coverage – pays your hotel, motel, and restaurant bills if you have to move out of your home while it’s being repaired because of vandalism, fire, burst water pipes, or storms and other acts of nature.

Cheap House Insurance Rates Online

The first thing you need to do in order to get a cheap house insurance online is to comparison shop. You can spend half a day going from one single-company website to the next in order to get rates, or you can spend a few minutes at an insurance comparison website to get rates from a number of insurance companies.

At an insurance comparison site the process is simple. You fill out a short questionnaire with information about your house and the amount of insurance you want, then you wait for your quotes.

If you have any questions, the better insurance comparison sites let you talk with an insurance expert who can help you. They also offer an “Articles” section where you can get money-saving tips. (See link below.)

To save even more on your insurance make sure to get the highest deductible you can afford. Raising your homeowners deductible from $250 to $1,000 can save you up to 25% on your premium. Installing security and safety devices like deadbolts, burglar alarms, window locks, and smoke detectors can also save you money. Purchasing a monitored home security system can save you up to 20% on your insurance.

Last, but not least, ask your insurer about all the discounts that are available to you and take advantage of them all.

By: Brian Stevens

About the Author:

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ariabrian asked:

Want to know where to get the cheapest homeowners insurance quotes from reputable companies? This video shows you where to go and what to do.

Jennifer S asked:


Say that I wanted to buy a $200k house on the gulf side. For a typical policy, what could I expect to pay per year? Im thinking of making the move from Pa and have found some cute homes in that price range online. Are the rates higher because of hurricanes? Also, does any one know about how much the property taxes are also?

asked:


We had flooding in our basement and my washer was damaged and we decided to get a new one rather than repair it. With all the stories floating around about hurricane victims (and other homeowners) having their insurance revoked or having their rates go up astronomically for small claims I got scared. I didn’t want this to happen to me. Would you have put in the claim for the washer? Are these stories true?