Strategies for Saving Money on Homeowners’ Insurance

Rather than being seen as a luxury, homeowners’ insurance is far more accurately perceived as a necessity.

It is quite common for mortgage providers to decline a loan or financially support a real estate transaction without the buyer providing evidence of insurance coverage for the value of the property (in most cases, the purchase price).

Depending on the location of the property, homeowners’ insurance can be expensive, but there are some sensible and very effective ways to avoid spending more than is necessary.

Security systems and smoke alarms that are well maintained can help to lower insurance premiums and will definitely enhance safety.

By increasing the excess level chosen for the insurance cover, the lower the annual premiums could be. The risk of taking this option is that smaller problems and claims tend to be covered by the property owner, so that the high-priced excess does not need to be paid.

Multiple policy discounts offered by insurance companies to customers that keep other insurance contracts with them can deliver attractive cost savings.

If additions or other structures are to be built onto or close to the home, carefully planning should occur and the materials that will be used should be thoughtfully chosen. This is because insurance can be more expensive if certain types of materials are used.

Paying off a mortgage and being committed to regular policy reviews and comparisons can also allow property owners to make cost savings on their insurance cover.

Source: http://www.investopedia.com/articles/pf/07/homeowners_insurance.asp

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>>>> PortalHandlers.UpdateSession_Before
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>>>> ObjectEvents.Insert.After
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Data
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Parameters: @name (value)
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SELECT *
FROM OM_MVTest
WHERE [MVTestPage] = @MVTestPage AND [MVTestSiteID] = @MVTestSiteID
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
14
(cms.personalization.selectall)
SELECT TOP 1 *
FROM CMS_Personalization
WHERE PersonalizationUserID = 65 AND PersonalizationDocumentID = 3544
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
BasicRepeater.OnLoad N/A
15
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:29:58 AM';
DECLARE @NodeGUID uniqueidentifier = '20ede121-080b-4055-afd5-61d5f46dc74f';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-au';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
N/A
16
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:29:58 AM';
DECLARE @NodeGUID uniqueidentifier = '20ede121-080b-4055-afd5-61d5f46dc74f';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-au';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
N/A
17
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:29:58 AM';
DECLARE @NodeGUID uniqueidentifier = '20ede121-080b-4055-afd5-61d5f46dc74f';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-au';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_PressRelease AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.PressReleaseID AND V.ClassName = N'CMS.PressRelease' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.016
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender N/A
18
(cms.blogpost.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:29:58 AM';
DECLARE @NodeAliasPath nvarchar(max) = N'/News-Media/News-Hub/Strategies-for-Saving-Money-on-Homeowners’-Insuran';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeAliasPath] = @NodeAliasPath AND [DocumentCulture] = @DocumentCulture)
ORDER BY BlogPostDate DESC
818 B
 
Table (1 [169], 3.3 kB)
 
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender 0.000
 
CloseConnection()
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender N/A
  18 queries, 14.9 kB write, 25 kB read   0.078
Macros resolved in the content of this page:
 ExpressionResultUserContextDuration
1 {% CanonicalURL != "" %} False CMSAbstractWebPart.OnInit 0.000
> CanonicalURL != "" False 0.000
2 {% NoFollow %} null 0.000
> NoFollow null 0.000
3 {% IncludeOptimizely %} null 0.000
> IncludeOptimizely null 0.000
4 {% DisclaimerContent %} null PageContext.CurrentPage_InitComplete 0.000
> DisclaimerContent null 0.000
5 {% pagetitle_orelse_name %} Strategies for Saving Money on Homeowners’ Insurance DocumentBase.Load 0.000
> pagetitle_orelse_name Strategies for Saving Money on Homeowners’ Insurance 0.000
6 {% CurrentDateTime.Hour %} 7 FIRSTMAC-srvc-kentico CMSWebParts_General_javascript.OnPreRender 0.000
> CurrentDateTime.Hour 7 FIRSTMAC-srvc-kentico 0.000
7 {% CurrentDateTime.Hour %} 7 FIRSTMAC-srvc-kentico 0.000
> CurrentDateTime.Hour 7 FIRSTMAC-srvc-kentico 0.000
      
Web farm synchronizations done by this page:
 Task typeTargetDataContext
1 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3166323 SimpleHandler`2.StartEvent
2 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦0be6ace4-098e-4e8a-a7e1-53689ca5b2d3|1
3 TOUCHCACHEITEM om.contact|all¦om.contact|byid|3166323¦om.contact|byguid|0be6ace4-098e-4e8a-a7e1-53689ca5b2d3 SimpleHandler`2.StartEvent
4 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3166323 SimpleHandler`2.StartEvent
5 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦0be6ace4-098e-4e8a-a7e1-53689ca5b2d3|1
6 INVALIDATEOBJECT om.contact 3166323 SimpleHandler`2.StartEvent
     
ViewState used by the controls of this page:
 Control IDIs dirtyViewStateTotal size
1 form Yes
action = "/news-hub/strategies-saving-money-homeowners-insurance" (54 B)
54 B
 
2 p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
3 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId1
Yes
Text = "0eymmicj554ieitm0jftusxn" (24 B)
24 B
 
4 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId2
Yes
Text = "0eymmicj554ieitm0jftusxn" (24 B)
24 B
 
5 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId3
Yes
Text = "0eymmicj554ieitm0jftusxn" (24 B)
24 B
 
6 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId4
Yes
Text = "0eymmicj554ieitm0jftusxn" (24 B)
24 B
 
7 pageplaceholder
p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
8 ZoneA
BlogPostsDataSource
srcDocuments
Yes
IsSelected = True
0 B
 
9 BlogPostsRepeater
plcBasicRepeater
N/A
Yes
Yes
Yes
Yes
Yes
Yes
ZeroRowsText = "No data found" (13 B)
ResolveDynamicControls = True
DataSourceName = "BlogPostsDataSource" (19 B)
HideControlForZeroRows = True
DataBindByDefault = False
_!ItemCount = 1
32 B
 
10 dbg
pnlDebugContainer
No
CssClass = "debug" (5 B)
5 B
 
     Total viewstate size: bytes