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	<title>New answer on: Can You Negotiate Homeowners Insurance?</title>

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		<title>By: Joe Allegro</title>

		<link>https://insurancelibrary.com/home-insurance/can-you-negotiate-homeowners-insurance</link>

		<dc:creator>Joe Allegro</dc:creator>

		<pubDate>Sun, 23 Feb 2014 22:09:37 +0000</pubDate>

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		<description><![CDATA[No. Insurance rates are set by actuaries.  They are mathematical professionals who calculate the probability of an event occurring, and price their rates accordingly.  They do give credits for a reduction of risk (alarms, sprinklers, nearby fire hydrant...), but the number is not negotiable. Every company calculates their risks differently, and some may need to add a certain risk in their portfolio in order to diversify, or may prefer a certain type of risk, and therefore will be priced better for a certain policy, which is why your agent should shop your policy to multiple carriers to ensure you get the best rate.]]></description>

		

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