Plumber: 3 Steps to Choosing a Qualified Plumber

Will you be one of the thousands people being over charged for a plumbing problem? Unfortunately many of us do not think about the plumbing in our house until there is a problem. Like many homeowners I had no idea how the plumbing system in my house works until I was met with a flood in my bathroom and scrambled to find a plumber in the phone book. Can you say big mistake! In this article I will share 3 steps on how to pick a qualified plumber so you don’t have the experiences I have had.

Step 1: Get educated about how the plumbing system in your house works before making a call. Who ever coined the statement “Knowledge is power” must have had some experience in hiring a qualified plumber. I am kidding here of course but being uneducated is a sure sign for a plumber contractor to take advantage of you.

I know we would like to believe all people function honorably but they don’t and without any plumbing knowledge you can’t ask or answer questions intelligently. In your spare time get educated on the plumbing systems in your house a simple Google search can give you a wealth of knowledge making you more equipped to talk and choose a qualified plumber.

Step 2: Ask close family, friends, church members or neighbors first for the name of a plumber they might recommend. It is always best to use the referral from someone you trust then just blindly performing a Google search for a plumber in your neighborhood. With a referral you have at least known this plumber has done a good job by the one that refereed him or her to you.

Step 3: Ask for the person or business license number up front so you can do a check with your particular state and local license commission. Plumbing is a highly regulated profession and if they are legitimate they will be licensed with your local municipality.

Allot of plumbing companies are putting their license number on their website making it easy to check. However, there are a number of them who do not so ask for their license number and how long they have been operating as a plumber.

You don’t want a journeyman coming to your house especially if there is a major problem that you need to have fixed. Believe me, you will be surprised how many journeymen try to pass themselves off a licensed professional.

Improving Home Features Saves Money, Energy

There is more to home improvement than changing the wallpaper and fixing things when they break. Upgrading a home’s basic necessities, such as security, plumbing and windows will go a long way towards saving energy, lowering energy bills and increasing comfort for people living there.

Home Automation
There is more to home automation than having a nice entertainment center in the living room and changing channels and volume with one remote control. A home entertainment system can create a room of luxury and comfort, but home automation goes far beyond that. A homeowner can add features such as a home security system and other features to make the environment safer and more convenient. For example, one option is to install alarm systems in Northern Virginia homes that prevent burglary and prowlers. Another option is to have lights automatically illuminate when someone arrives in the driveway. Energy-saving features can be added to a home to help the residents save money and live more comfortably. A quality home automation and entertainment contractor can make recommendations based on the needs and wants of the homeowner.

Plumbing
Improving a home’s plumbing system is less of a change in appearance than it is in functionality. Changing appliances and fixtures that focus on water is another way to upgrade a home and make it more environmentally friendly. The use of more energy efficient pipes is one method of lowering utility bills. A new tankless hot water heater, a low flush toilet or lower usage shower head is one way to lower utility bills. For truly outdated plumbing, the homeowner may be required to implement newer Northern Virginia plumbing and building code requirements, such as a limit on how hot the water can be when it comes out of the faucet. The more energy efficient and environmentally-friendly a home is, the more modern it is.

Windows
Replacement windows in Northern Virginia homes are another avenue of energy efficiency. Vinyl windows allow less radiant heat energy from the sun into the home while keeping out gentle breezes between the cracks and crevices that are so common with older windows. This is especially important in wintertime when the cold outside air can make a room feel very chilly. Rather than turning up the thermostat to stay warm, vinyl replacement windows will create a tight seal around the perimeter and keep the cold air out. While replacement windows are environmentally friendly, they are also homeowner friendly. They are easier to clean and can be removed with little hassle when needed.

Find a Dream Home Without Overspending

When purchasing a Northern Virginia house, it is easier to find a larger structure for less money than it used to be. For those willing to make a few upgrades and changes in the home after purchase, but before moving in, they can have the dream home of their choice without spending a lot of money on the designs and extras chosen by someone else. While some improvements may be made simply to replace worn systems or protect the house from damage, others are a way of making it more comfortable and beautiful to look at every day.

Surfaces
Natural stone is quickly becoming one of the most popular types of materials for flooring, bath and countertops in the home. The surfaces are sturdy and easy to clean. The natural design and color in the stone brings out a natural beauty that marries well with furniture and other surfaces in the home. The variety in color and design makes natural stone a compatible choice for kitchen countertops with most kitchen flooring and cabinets. In the bathroom, vanities, countertops, baths and even flooring in natural stone can create a luxurious look and comfortable feel that will not buckle or warp with exposure to moisture. A marble bath and a granite countertop in Va, for example, are well-known for their durability and long-lasting beauty.

Basements
Most homes in the area have a basement or a crawl space. While it adds to the amount of living and storage space available, these underground structures need to be monitored regularly. Ensuring basement waterproofing in Northern Virginia homes is adequate prevents moisture and water from damaging the house. Besides deterioration, damp areas can create deposits of mold and mildew, which cause health issues and terrible smells. Once present, these problems are expensive and difficult to eliminate. Waterproofing the home, and especially the basement, will give the surface a protective coating and ensure that all cracks and crevices are filled. Moisture cannot do damage when it cannot enter the home. When considering renovations, check on the basement and crawl space for waterproofing needs.

Plumbing
When buying a new home, one element that may stand out as being tired and worn is the plumbing system. Leaky faucets, running toilets and groaning pipes are all warning signs that the home’s Northern Virginia plumbing needs to be repaired or replaced. While some of the problems may simply be worn washers, a careful inspection may reveal leaks and blockages. These types of problems can lead to water waste and make the water bill skyrocket. New homeowners may not recognize the problem because they have nothing to use for a comparison. Plumbing upgrades may include pipes, faucets, toilets, sinks and outdoor spigots. Homeowners should consider replacing old water heaters with new tankless designs to reduce the utility bills each month as well.

Yes Virginia You Can Have a Healthier Home

Many homeowners unwittingly suffer with poor indoor air quality, and the health issues that come with it. You can’t control Mother Nature or air pollution, but you can improve your indoor air quality by not inviting or concentrating allergens and pollutants inside your home.

Without buying a new house, here’s some ideas which can work in almost any home. You may not find every one of these ideas affordable or practical in your home, but any one of them can make a huge improvement.

Lower humidity and reduce moisture.

Use of a dehumidifier is probably a must-do thing in most homes and is especially helpful if you can connect a hose to direct the condensate to a floor drain or sump, as opposed to sporadic emptying of the built-in reservoir.

Molds and other organisms thrive in dark, damp conditions. Eliminating these conditions is paramount to improving your indoor air quality. Try to locate and identify any sources of moisture in your home. Repair leaky faucets and other plumbing and keep all your appliances in good working order. Dripping fridges, washing machines and other everyday appliances can add to your problems.

Even if your basement appears dry, ensure storm water is directed well away from foundations and use bathroom exhaust fans to lower humidity. Cooler conditions prevailing in basements, even when insulated and finished, can lead to often unseen condensation and encourage the growth of mold.

Install a central vacuum system.

While frequent vacuuming might seem like a helpful thing to do, most vacuums filters allow the same dust, pollens and other irritants to be exhausted back into your living space. Central vacuum systems are more powerful, can be exhausted to the outdoors and most have a self-cleaning filter. Be sure to install a sound baffle on the canister exhaust pipe, to limit the noise pollution in your neighborhood!

Freshen air without opening windows.

While Granny threw the windows open and hung the quilts outside, in today’s world open windows are not always the best way to bring in fresh air. In addition to dust, when outdoor levels are high, pollen and spores float into your house and might not float out.

During hot weather especially on high-allergen days, exchanging air with a heat recovery ventilator (HRV) and cooling with fans, or running an air conditioner can help. HRVs as well as other central air exchange systems are designed to exchange indoor for outdoor air about four times every 24hrs. As much as we might want to keep pollen and other irritants out of our homes, we still need fresh air to breathe.

Using a HEPA (High Efficiency Particulate Air) filter in your central heating and cooling system is another way to capture much of what might be flying around inside your house.

Other things to consider

When it comes to indoor air quality, chemical air fresheners and dryer sheets are not helpful. Neither is the chemical cocktail under your kitchen sink.

Attached garages are notorious for the introduction of not only foul odors and pollutants, but dust from automobiles and unsealed concrete floors – and you only need to look under your lawnmower to find a veritable garden of fungal growth.

In addition to their own fluff, Rover and the cats can also track in a lot of other stuff. Unkept fish tanks, litter boxes and moldy, buggy house plants are other potential sources of indoor irritants.

Enjoy Virginia’s National Scenic Byway Through Skyland, Virginia

Virginia offers one of the best scenic drives in the country. The Skyland, Virgina Drive is a 105 mile National Scenic Byway that starts north of the Shenandoah Valley in a small town called Front Royal. It runs along the tops of the Blue Ridge Mountains through the Shenandoah National Park to Waynesboro where it merges with the Blue Ridge Parkway. This drive welcomes recreational vehicles but they have to be able to get through Mary’s Rock Tunnel which is only 12 feet 8 inches high in one area near the route 211 entrance. To experience the full beauty of the colorful foliage plan your trip between September through mid-November. A spring drive is also a good time because of the show of wildflowers that can be seen along the drive.

The northernmost entrance to the this drive is located at Front Royal where maps and other information can be obtained at the visitor center. While here visit the Skyline Caverns which is the closest natural wonder to Washington D.C. and will be an opportunity to see a very rare form of crystal called “anthodites.” Since these anthodites are some of the only ones in the world to be discovered they are protected by the Virginia State Law. To see these rare crystals a tour guide must be present. The caverns are open year round.

Another popular tourist attraction near Skyland, Virginia is the Luray Caverns located in Luray, VA. These are America’s largest caverns. While there experience the large cathedral-sized rooms and enjoy the symphony of the world’s only Stalacpipe Organ where music is created by stone formations.

Take in the beauty of the colorful foliage, singing birds and the sounds of streams trickling through the forest while driving through the Shenandoah National Park. If looking to take a serious hike the Appalachian Trail runs parallel to the drive with 101 miles of its trail winding through the park along with 500 miles of other hiking trails. Camping sites are available and modern facilities are located within the park itself.

The drive ends in Waynesboro, Virginia where abundant restaurants and lodging is available. Enjoy the Artisans Center of Virginia as works of the local artisans are displayed or enjoy the views of the South River as it runs through the downtown area. Waynesboro also offers Heritage Museum or tour the streets where the battle of Waynesboro took place. The Plumb House Museum offers maps and story of the battle.

What is the Problem With Northern Virginia and Washington, DC Water

Northern Virginia and Washington D.C. are growing in population rapidly and as more people move into the area, a question that is asked more and more frequently is – what is the quality of my drinking water?

Individuals and families are naturally concerned with their health and drinking water is an important element of maintaining good health.

Unfortunately, the quality of the water in Northern Virginia and Washington, D.C. is very poor and is getting worse. Contaminants, bacteria, minerals and chemicals in tap water are masked with heavy doses of chlorine and tap water, in addition to being unhealthy, tastes and smells terrible.

Regulation from the Environmental Protection Agency (EPA) does not eliminate contamination but merely sets maximum levels of contaminants that can enter the human body and cause long term damage.

Well water is also contaminated but there is no Federal or state agency that regulates well water.

What is the Story With Tap Water?

Tap water is municipal water that is usually pumped from nearby rivers and then processed to meet EPA guidelines. The processing is usually done through a waste water treatment plant with heavy amounts of chlorine added to kill remaining bacteria that processing does not catch. It is important to note that EPA guidelines are just that – they establish minimum amounts of allowed contamination that may eventually be harmful to both adults and children.

In Northern Virginia and Washington D.C. the drinking water is pumped mainly out of the Potomac River and at least one waste treatment plant.

Contaminants that may be present in this source water include:

Microbial contaminants, such as viruses and bacteria, which may come from sewage treatment plants, septic systems, agricultural livestock operations, and wildlife.

Inorganic contaminants, such as salts and metals, which can be naturally-occurring or result from urban storm water runoff, industrial or domestic waste water discharges, oil and gas production, mining, or farming.

Contaminants also include pesticides and herbicides, which may come from a variety of sources such as agriculture, urban storm water runoff, and residential uses.

In addition contaminants may include organic chemical contaminants, including synthetic and volatile organic chemicals, which are by-products of industrial processes and petroleum production, and can also come from gas stations, urban storm water runoff and septic systems.

Radioactive contaminants, which can be naturally occurring or be the result of oil and gas production and mining activities also affect local tap water.

What is the source of water in Northern Virginia and Washington D.C.?

The water in the Potomac River, Anacostia River, and Rock Creek flows into the District from outside jurisdictions. For example, the Potomac River begins in West Virginia, while the Anacostia River begins in Maryland. The quality of water in Northern Virginia and the District is thus affected by activities throughout the watershed.

Storm water runoff from commercial, industrial, residential and agricultural sites, point source pollutants from wastewater treatment plants and industrial discharges, and combined sewer overflows from as far away as West Virginia and Pennsylvania all contribute to the quality of water in the District and Northern Virginia.

What About Combined Sewer Overflows (CSO’s)

CSO’s frequently occur when natural events like flooding overcome the capacity

of waste treatment plants and raw sewage is pumped back into the water source like the Potomac River.

During periods of significant rainfall, the capacity of a combined sewer may be exceeded. When this occurs, regulators are designed to let the excess flow, which is a mixture of storm water and sanitary wastes, to be discharged directly to the Anacostia River, Rock Creek, the Potomac River, or tributary waters. This excess flow is called Combined Sewer Overflow (CSO).

Release of this excess flow is necessary to prevent flooding in homes, basements, businesses, and streets but it adds bacteria and contaminants as potential threats to tap water.

Since a portion of the tap water comes from sewerage treatment plants CSO’s can adversely affect the quality of our receiving waters in a number of ways:

CSO’s contain material which contributes to high bacteria levels in the receiving waters. Organic material in CSO’s can contribute to low dissolved oxygen levels, which can contribute to a potential for fish stress or fish kills, especially in summer months; and, debris in CSO’s such as plastic bottles, Styrofoam cups (otherwise known as “floatables”) contribute to poor aesthetics.

How Safe For Drinking is Well Water?

Well water, a popular alternative to tap water particularly in Northern Virginia is subject to the same ground water contaminants, chemical discharge waste and organic waste as tap water but is not regulated by any Federal or state agency in any way.

In addition to emitting foul sulphur odors and sediment from the water Northern Virginia well water contains significant amounts of iron in the rock in some areas, particularly the Piedmont and Blue Ridge, resulting in iron “staining.” Sulfide in ground water is also found in parts of the Valley and Ridge where coal or natural gas is present produces an obnoxious odor.

Ground water that is a source of well water also can be contaminated by human activities. Bacteria from septic systems, and nitrate from both septic systems and fertilizer applications, are among the most common contaminants. Since well water is not subject to regulation, the potability and suitability for drinking, of a private well is the responsibility of the homeowner and many private wells are contaminated.

Living in Virginia – Becoming a Plumber

Manassas is a historically important city in the northern part of Virginia. It has a population of about 38,000 and is likely best remembered for being the site of the first battle of the American Civil War, the Battle of Bull Run, in July of 1861. With all its history and charm, it is easy to see why people move to the city to set up businesses and raise families. If you are considering moving to the city and becoming one of the Manassas plumbers who build trusted reputations, then there are a few things you can do to make your start.

Get certified – While this may seem like an obvious move for Manassas plumbers, it is still one of the most important things you must do when you are getting ready to open up shop. To do work in Virginia, you need a license or certificate from the Virginia Board for Contractors. This board issues three types of licenses in the general trades and also offers licensing in the specialty trades of water/pumps, swimming pool construction, and other plumbing-related areas. To get certified to become Manassas plumbers, you should contact the Tradesman Licensing Section of the Board for Contractors and prepare for taking the exam to qualify for one of the levels of HVAC licensing: the journeyman and master.

As a start to becoming Manassas plumbers, you should look to become a journeyman, which requires two years of practical experience and a degree (or certificate), or four years practical experience with 240 hours of formal vocational training, among other options. To qualify for a master’s license you must have either a year’s experience as a licensed journeyman, or 10 years of department-approved, documented experience in the trade. Finally, to become either journeymen or master Manassas plumbers, you must pass the exam given by PSI Examination Services.

Setting up shop – Once you have your licensing sorted and are looking to get set up in a shop, there are a variety of pros and cons to finding a location in the center of the city. Manassas plumbers who have shops and offices right in the heart of the city have the benefit of obtaining passing trade – those who drive by and see your sign. But, the cost of renting/owning the building and the availability of space need to be considered. You might find, after all, that it is better to be a bit further away from the center and have more room for supplies and a cheaper rate of rent/taxes.

Advertising – You may think that all successful Manassas plumbers need to do is set up shop and get listed in the Yellow Pages, but this is only the tip of the iceberg. After opening, you should register with every available yellow page-style listing, both online and off, consider signage for the roads and your store/warehouse/office front, and get a website that you can then link to local sites to build an internet presence. While this may not seem like the details you want to cover as a plumber, making yourself visible on the Internet and in the city are the best ways to make your presence as Manassas plumbers known to those who might need your services.

How to Get Cheap Homeowner’s Insurance Online in West Virginia

Buying homeowner’s insurance online is almost always cheaper than purchasing it otherwise. However, simply entering information onto a form on a website, without proper knowledge of what information to enter in order to get the best price, may not achieve the result you want.

In other words, before you jump online and start randomly trying to find the best deal on homeowner’s insurance, you would do well to take five minutes and read this article. Then take the tips you learn in this article and enter them into the forms on the online price comparison websites.

Let’s start with concrete actions you can take that should reduce the cost of your homeowner’s insurance. Just make sure your agent learns of any improvements or changes to the property that you make.

A simple thing is to pay your premiums yearly rather than monthly. If that is not practical, set up an automatic payment each month out of your checking account.

Pay all of your bills on time and keep your credit record clean. Believe it or not, your homeowner’s insurance premium is affected by your credit rating.

Make your property safer from accidents that could result in lawsuits. Replace any broken or buckled concrete and fill in all potholes. Replace lose or bad floorboards on porches or decks and make sure all railings are tight.

Trim bushes away from all windows and install motion-sensitive lighting to deter burglars. Add deadbolt locks to every single door and make sure all windows, even hard-to-get-to windows, have a working lock.

Install the proper number of smoke and fire detectors for the size and layout of your home and make sure they all have a working battery. Remember, batteries need to be replaced twice yearly.

Buy and install a kitchen-rated fire extinguisher in your kitchen.

If your home is ten years old or older you may be able to save quite a bit each and every month if you spring for an upgrade of your plumbing and/or electrical system. Ask your agent what your monthly on-going savings would be.

A home protection system that monitors your home 24/7 is an excellent idea and one which can add a great deal of peace of mind for you and your family. Fortunately many such systems also earn you a 20% or so savings on your homeowner’s insurance every single month. Talk to your agent before deciding on a system, however, as not every system will earn the same discount.

If you have a home-based business don’t forget to ask your tax advisor if a portion of the cost of your home protection system can be tax deductible. A tax deduction on top of a savings on your insurance premium can really make such a system attractive.

If anyone 55 or older and retired is living in the house let your agent know as this could save you money.

You are probably already aware that consolidating all of your insurance policies with the same insurance company can save you money every month, but it still bears reminding.

Don’t smoke. If you don’t smoke you’ll get a better price on your homeowner’s insurance.

What about your deductible? If you can afford to increase your deductible you’ll get an immediate discount on your monthly payments. Don’t go overboard with the deductible, however, because if you ever have a claim you’ll have to pay the deductible before your insurance company will payoff, so don’t agree to pay more than you think you can actually afford.

Finally, buying your homeowner’s insurance online almost always saves you money. However, if you’re serious about saving money then you won’t stop after making price comparisons at just 1 website. In order to make sure you are seeing the most prices possible you really need to take the extra time and run your comparisons on at least 3 different homeowner’s insurance price comparison websites.

Also – and this is important – make sure that you input the exact same answers into the forms on all three websites so that you are comparing the same policy on each site. In this way your comparison actually has some value.

All that’s left now is to determine which companies you feel comfortable will still be around in 30 years and then simply choose the lowest-price policy from among those companies. That’s it. You’ve done your homework, you’ve made the comparisons, and now you’ve gotten cheap homeowner’s insurance online in West Virginia.

How to Get Affordable Homeowner’s Insurance in West Virginia

Of all the different types of insurance most people are faced with buying, homeowner’s insurance is the one that the vast majority chooses to purchase. The reason should be obvious. For most West Virginians their house is their most valuable asset and they want to protect that asset.

And well they should. However, there is no reason to pay more for your homeowner’s insurance than you have to – and if you can implement one or more of the following suggestions you should be able to save potentially hundreds of dollars each and every year on your homeowner’s insurance.

Start by making your property safer. Remember, the possibility of accident-inspired lawsuits is part of your premium; if you can reduce that possibility you should be able to reduce your premium – so let your agent know about any improvements you make to your home or property.

Start by filling in any potholes on the property. Replace any cracked or buckled concrete. Replace or repair any lose or broken boards on porches or decks. Make sure all rails are secure.

Another portion of your premium covers potential loses from burglaries. Making your home less attractive to burglars should also reduce your premium. Install motion-detecting floodlights. Cut bushes away from windows. Put deadbolts on every exterior door. Make sure all windows, even upper floor windows, have a working lock.

The most common claim made against homeowner’s policies is for water damage caused by a broken waterline or by an old connection to an appliance. Talk to your agent and see what savings you could realize every month if you were to make a one-time investment in upgrading your plumbing and/or electrical system.

A home protection system that monitors your home 24/7 can be an excellent investment. Not only can it provide peace of mind to you and your family, many such systems can also save you 20% or even more on your monthly homeowner’s insurance. Talk to your agent first, though, since not every system qualifies for the full 20% discount.

If you have a home-based business a portion of a home protection system may be tax deductible. A tax savings on top of a reduction in your homeowner’s insurance could make such a system even more attractive.

Install fire and smoke detectors throughout your house and make sure each unit has a fresh battery twice each year. Buy a kitchen-rated fire extinguisher for your kitchen.

Pay your premiums yearly rather than monthly. If you cannot afford to pay yearly then set up an automatic payment out of your checking account on a monthly basis.

Consolidate all of your insurance policies with the same company. This will give you a Multi-Policy Discount on your homeowner’s insurance.

Increase your deductible. The larger your deductible the smaller your monthly premium. But don’t go overboard since you will be asked to come up with your deductible in cash if you should ever file a claim.

By the way, don’t make a lot of small claims against your homeowner’s policy. The longer you go without making a claim the lower your rate will be with some companies. See if you qualify for this discount.

Buy your homeowner’s insurance over the internet. Online policies cost less than policies bought from a brick and mortar agent. Don’t think that all you need to do is compare prices on just 1 website, however. If you are truly serious about finding the absolutely most affordable homeowner’s insurance in West Virginia then you’ll have to fill out the form on at least 3 different price comparison websites.

You’ll also need to be careful that you fill in the same information on all 3 sites, otherwise your “comparisons” won’t mean much.

Once you’ve compared prices on a minimum of 3 different sites then your job is almost complete. All that’s left is for you to decide which companies you feel confident will still be around 30 years from now and then choose the lowest-priced policy from among those insurance companies.

How to Get the Best Rates on Homeowner’s Insurance in West Virginia

It’s hardly surprising that homeowner’s who finance their property have homeowner’s insurance. Lenders require insurance as one of the requirements of any loan. The surprising thing is that well over 90% of all West Virginia homeowner’s who do not have to buy it still choose to do so.

The reason is obvious. A house is both an investment as well as an asset, and it makes good economic sense to protect both investments as well as assets. Of course that doesn’t mean anyone wants to pay any more for their policy than they absolutely have to.

One way to keep the cost down is to pay premiums yearly rather than monthly. If that isn’t possible then paying premiums automatically each month can also save you money.

Keeping a clean credit record saves you money, too. Treat credit cards and other forms of credit wisely since the higher your credit score the lower your payment.

Making your home safer and less susceptible to injury-related lawsuits will also lower your monthly payments. Fill in potholes around your property and remove and replace any broken or buckled concrete. Replace lose floorboards on porches and decks and make sure all railings are tight.

Making your home less appealing to burglars can also save you money every month. Trim bushes away from windows and install motion-sensitive lighting to keep burglars in plain sight. Install deadbolt locks on all exterior doors and add locks to all windows to keep burglars out of your home.

If your home is over 10 years old it may pay you to upgrade your plumbing and/or electrical systems. Talk to your agent and see how much a one-time investment on your part will pay-off in monthly savings.

Make sure you have the right number of smoke, fire and carbon monoxide detectors for the size and layout of your house. Make sure each detector gets a fresh battery every six months.

Buy a fire extinguisher for your kitchen. Make certain that you purchase a fire extinguisher that’s specifically rated for kitchen fires.

Increase your deductible. Increasing your deductible will decrease your monthly premium faster than just about anything else. However, don’t get carried away and promise to pay a higher deductible than you can really afford.

Buying a home protection service that monitors your home for fire, carbon monoxide and burglaries 24/7 is not only great for your peace of mind, such a system can also save you a lot of money – 20% or more on your homeowner’s insurance every month.

But be sure to ask your agent before you sign your name to any contract because not every home protection system will earn you the full discount.

See if you can find group policies. Some clubs and organizations offer their members low-cost group insurance.

Is anyone living in your home who is 55 or older and retired? If so you may be due a reduction in your monthly premium.

The final thing you’ll want to do is to buy your homeowner’s policy online. You’ll almost always save money if you purchase your insurance online. However, don’t just rely on 1 homeowner’s insurance price comparison website. If you really want to find the best rates on homeowner’s insurance in West Virginia you’ll make your price comparisons on a minimum of 3 different websites.

You’ll also be careful to enter the exact same information into the forms on all 3 websites so that you are comparing the same policy each time.

But once you’ve done that then you’re done! All that’s left is to review your results and grab the cheapest-priced policy. This is the way that you get the best rates on homeowner’s insurance in West Virginia.