Home insurance is something that you must have but it doesn’t mean you have to pay top dollar for top coverage. There are many things you can do to help reduce your liability and cut down on your insurance premiums. When getting New York homeowners insurance quotes for your home you should be well equipped in where you can push to get some breaks.
One of the first things the agent will ask you is information on your house. How old is your house and what materials is it made of. The insurance coverage is more interested in how much it is going to cost to replace or rebuild your home if something were to happen.
Your agent may ask you how close your home is to a fire hydrant as well as how close it is to the nearest fire station. This is important information in case of a fire. The closer your home is to a fire hydrant and fire station the faster a fire in your home could be brought under control.
What you can do to help is try to catch it before it gets too far. Have smoke alarms installed in every room and most importantly, make sure the batteries are current. You will know when the batteries are losing power as they will begin to beep. Having a fire extinguisher in your kitchen will certainly cut down on kitchen fires. Some newer home may have a sprinkler system that is common in many restaurants. If a fire is confirmed the sprinklers go off automatically and put the fire out.
Another thing that you can do to cut down on your liability is to have a security system put into place. This alone can save you around 20% on your premiums. Many security systems have a paper on their website that you can download and fax over to your security company in order to get the discount.
Make sure that if you have a pet that it is not listed on the list of animals that could cause problems. There are some dogs that just present a problem if they are left outside. If your dog bites the mailman it is going to be your problem so you need to discuss this issue with your insurance agent.
Get several different New York home insurance quotes with is from their official website, as one does not fit all.