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Every homeowner or business owners that owns property needs HOI, homeowners insurance or
hazard insurance. It just depends where you are in the country or who you are dealing with as to
the terminology that is used. But it's all the same.
You can't buy a home, either it be a single family home, town home, condo or even an office build
without getting hazard insurance before you go to settlement. Hazard insurance gives both you the
property owner and the lender peace of mind in case of a fire or some other catastrophe that this
asset will be made whole again and everyone is protected from financial ruin.
Now depending on the size or your home or mortgage, hazard insurance can range from hundreds
of dollars to thousands of dollars per year. As I'm sure you know, insurance goes up almost every
year and forget about it if you have made a claim. In some cases hazard insurance can be as
costly, if not more costly than the yearly tax bill on the property.
Hold on, I know you thought Christmas had passed but here is a late Christmas gift for you. There
is a way to save 12-15% per year on your HOI/hazard insurance that 90% of the home owners
and business owners do not even know about. Probably their insurance agent does not know
about or think to ask.
I know you asking, "How is it that I can save 12-15% on my yearly hazard insurance bill?"
The answer is through security systems. Security is not a want in this day and age, it is a
necessity. Insurance companies give their clients discounts for having security devices in their
properties. These security systems can be as simple as monitored systems to having an easy to
install surveillance and security camera system.
Here is the question you want to ask your insurance agent when either you apply for a new hazard
or homeowners insurance policy or renewing your current policy. Whether you pick up the phone
and call your insurance agent or go into their office. Ask them " Hey Mr. or Ms. Agent how much of
a discount will I receive for having security devices or systems in my property." You might be
pleasantly suprised when you hear the answer.
Also, one more thing for those of you that have had security devices, like motion detectors,
security or surveillance cameras and/or monitored devices. If you have receipts or bills for your
hidden cameras, surveillance camera systems or monitoring; your insurance company should
prorate your bill for that period of time once you ask for it. So get on the phone and save some
money. Here's to your safety and saving money.
We have the highest quality Surveillance Cameras [http://www.eyespytech.com/complete-
systems.htm] to help protect your most valuable assets. For many it will be their family and homes
and for others it will be their businesses and what's inside.
Either way EyeSpyTech.com [http://www.EyeSpyTech.com] is the your best option.
Please feel free to use this article, as long the article and the resource box remain unaltered.
Article Source:
http://EzineArticles.com/?expert=Fred_Tillman
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