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Choose Fire-Resistant Siding
If you're installing new siding, install Class A rated fire-resistant materials such as metal, fiber-cement shingles and clapboards, or masonry. Using these materials can reduce your homeowner's insurance premium by up to 20 percent, especially in dry areas of the country that are more susceptible to fire damage.
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These things can raise your homeowner's insurance rates:
- A swimming pool (especially with a diving board), a hot tub or a trampoline.
- A dangerous condition on your property (like cracked steps or a low spot that collects water or ice) that could injure someone. If the injured party files a claim with his or her insurance company, your rates will rise.
- Having a pit bull, Rottweiler, Doberman Pinscher or wolf mix. These breeds affect your insurance rates because dog bites cost insurers about $310 million annually.
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