The things that will help you save on your NJ home insurance policy are not always great things.
There are a number of small and often-overlooked things that will help you reduce your rate by a huge margin.
Let's look at some of them...
1.
Fitting deadbolt locks on all your exterior doors won't cost you much.
However, they could lead to discounts of up to five percent depending on your insurer.
Burglary proofs might be too much for most people but deadbolt locks are that much but will save you some money.
2.
Do you have the right number and kind of fire extinguishers in the right places in your home? These little things make you home more fire-safe.
And, they lower the risk your home is exposed to, the cheaper your NJ home insurance rate.
3.
Do you have trees on your property? Do you take time to ensure there are no dead limbs that could hurt people on your property? Just a routine check and maintenance would save you a lot in liability claims.
4.
Do you have a dog or dogs? They'll increase your rate.
However, if you take the right precautions they'll not cost you much in home insurance.
Simple steps like making sure they are always chained when if your home isn't fenced would help.
5.
Do you know that your home and its content will attract an entirely different rate quote from a different insurer? The difference in NJ home insurance quotes from different carriers could range from as little as a few dollars to over a thousand and much more.
Therefore, make sure you get and compare quotes from five or more quotes sites.