Affordable California Homeowners' Insurance: How Disaster-Proof?

You can make your home almost disaster proof thereby reducing your risk and, as a result, your California home insurance premium. Apart from ensuring you have all in place to protect against fire and burglary, the following are recommended for various locations...

a. You will enjoy superior protection from wind damage if you fit a storm shutter.

b. Using a heavier roofing material will make your home more insurance friendly thereby helping you get more savings on your California homeowners insurance premiums if you live in a windy area.

c. If your area is prone to earthquakes, ensure that you retrofit you home.

d. Cutting off dry limbs on trees in your home will reduce the likelihood of a branch falling off and causing injury and/or damage.

e. It is also recommended that you do not have trees to your building. A tree can help burglars and their branches can also fall off and destroy part of your structures. Depending on the type of roofing material you use, this could also reduce its durability.

Your agent will help you with other things that you can do to make your home a lower risk to your insurer.

It is also important to check if the discount you will get justifies the cost of applying the recommendations. Implementing these steps will help you lower your home insurance premium.

On a closing note...

You can reduce your California homeowners insurance rates by obtaining and comparing quotes from at least five reputable quotes sites.

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