In Oregon, the price of home insurance is going up. There are many reasons for this, such as the rise in burglaries and the rise in the cost of replacing a home and its contents.
Some of the things that affect the price of homeowner's insurance are out of your hands. Other things, on the other hand, are in your hands, and the more you can do to make your home safe and secure, the less your insurance should cost.
Start by making sure your home has the right number of smoke and fire alarms. Not only are smoke and fire detectors required by law, but having the right number of them in your home can lower the cost of your homeowner's insurance. In the same way, having a fire extinguisher that works in your home is a simple way to lower your monthly homeowner's insurance premium.
Your homeowner's insurance cost can also go down if you don't smoke.
Keep bushes away from doors and windows by trimming them. This makes it less likely that someone will break into your home, which can lower your premiums. Insurance costs can also go down if your lights turn on when someone walks by.
The price you pay for homeowner's insurance can be affected by things like having a good credit score.
Look at the deductible you have now. If you can pay for a higher deductible, your homeowner's insurance will also cost less.
The replacement cost of your home is one thing you don't want to skimp on. This cost should be looked at every year or two and changed to reflect how much it would really cost to replace your home if it burned down or was destroyed in some other way.
The last tip is to look at different prices. There are a number of websites that make it easy and quick to compare prices from different insurance companies in Oregon. Taking the time and making the effort to compare policies and prices can pay off big time for many years to come.
