With the right recommendations you'll get cheaper Connecticut home owner insurance rates for adequate coverage. But also bear in mind that you could save if you use the wrong tips. The only thing is that you'd be compromised in the quality of coverage you get. I will, however, only give tips that will save you much while you still maintain sufficient coverage...
1. A fire-safe home exterior will help reduce your rates. You'll do well if you don't have anything that is inflammable close to your building. Even though cutting bushes around your home looks mundane, you'll get lower premiums if you do maintain them at a distance of at least ten feet from your structures. The likelihood of a fire in a house is a very strong issue that determines your Connecticut home owner insurance rate.
2. You will also enjoy a discount if you have motion-sensitive lighting on your property. Burglars naturally don't like to operate in any place they could be easily noticed or caught. Since thieves keep off from houses with such lighting, you reduce your home's risk of burglary and, consequently, your premiums.
3. Getting dead-bolt locks on every exterior door will lower your Connecticut home owners insurance rate. It's harder for thieves to operate in homes that have such locks. And because a home's risk of burglary is a major determinant of Connecticut homeowners insurance premiums, you will spend far less.
4. You will save more by visiting not less than five Connecticut home insurance quotes sites. If you do this, you will make it most likely that you'll get all the lowest Connecticut homeowner insurance rate possible because five sites will return not less than 25 quotes altogether.
Here are my favorite quotes sites (highly recommended)...
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