Due to rising crime rates and increasing fire rates, affordable homeowners insurance can be tough to find in Philadelphia. So how can you get cheap Philadelphia homeowners insurance? Here's how ...
Hit the Internet
You need insurance to protect your Philadelphia home not only from fire and burglars, but also from other perils such as vandalism, burst pipes, and storms.
To get the best price on homeowners insurance, you could spend days calling and visiting local Philadelphia insurance agents and collecting homeowners insurance quotes to compare. But you'll get more homeowners insurance quotes in less time by sitting down at your computer.
Just go to an insurance comparison website and fill out their simple online form with information about yourself and your home. In a very short time you'll receive homeowners insurance quotes from numerous A-rated insurance companies.
As an added bonus, the best insurance comparison websites also have an online chat feature, allowing you to talk online with insurance professionals. You can thus get immediate answers to all your homeowners insurance questions (see link below).
Keep Your Price Down
In the Philadelphia insurance market it's important that you take advantage of all the homeowners insurance discounts you can get. Special discounts insurance companies offer to Philadelphia residents include:
* Security discounts for installing dead bolt locks on all your exterior doors and locks on all your windows.
* Safety discounts for having smoke detectors, fire alarms, and fire extinguishers in your home.
* Security discounts for installing a burglar alarm, particularly one that's monitored.
* Raising your deductible - a higher deductible can lower your yearly premium by as much as 40%.
You may also be able to get a discount if you place your homeowners and car insurance with the same company, if you're a non-smoker, and if you're over 55 years old.
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