California Home Owners Insurance -- For Folks Who Want The Cheapest Rates

Are you serious about slashing your California homeowner insurance costs by reducing your insurance premium? Then you're reading the the article you need. I'll discuss many time-tested tips that will make you qualify for many discounts. And this will be without compromising the quality of coverage you enjoy. Here are the tips...

1. You will save if you buy all your policies from the same insurance company. This makes you eligible for a multi-policy discount. But you might save more with different insurance carriers than you'll get from a multi-policy discount.

2. You can make your home almost disaster proof thereby reducing your risk and, as a result, your California home insurance rates. You can make this happen by taking all the inevitable precautions against fire and burglary in addition to the following depending on where you reside...

a. Storm shutters will afford your home superior protection from wind damage.

b. Using a heavier roofing material will reduce your risk factor thereby allowing you save more on your California homeowners' insurance premiums if you live in a windy area.

If earthquakes disturb your area, ensure that you retrofit you home.

d. For those who have trees on their properties, you will save yourself in your California homeowners' insurance premium if you ensure that you cut off every dead or dry branch since they can easily cause injuries or damages that will lead to liability claims.

e. Ensure that you don't have tree branches over your roof or near your building. You will run a higher risk of a branch falling off and destroying your roof. Depending on the type of roofing material you use, this could as well lower its durability.

If want more ways to make your home more disaster-proof, consult your agent.

Compare what applying each would cost and by what factor it will lower your rate. Applying these tips will help you lower your California home owner insurance rates.

3. Don't insure your house along with the land it is built on as this is more expensive but needless. People who ignorantly do this pay for more insurance than would do them any good. Insuring your home for the full price you bought it without deducting the the land's cost is a big mistake.

If you made this mistake quickly meet with your agent and check through your home insurance policy. Subtract the cost of your land and use only the cost of your home and its contents.

This implies that you will pay a lot less on home insurance. Do not ever forget that insuring the land your house is built on is real waste of money because it does give you any added advantage.

4. If you strengthen your roof you will get cheaper California home owner insurance premiums. Take special note of this if you live in the East where high winds are more common. If you want advice on how to reinforce your roof and enjoy discounts for doing so, ask your agent. Fitting weighty shingles is a possible way of doing it.

5. Maintaining a government California homeowner insurance policy could be making you pay much more on home insurance than you would private companies. Certain areas used to find it difficult to get home insurance coverage. Then it was just the government's policy that was available to them. Nevertheless, at the moment there are a number of private insurance companies who also provide coverage for such areas.

It's true that government California home owners insurance may still be your best option depending on where you reside. But for people whose areas are presently serviced by private insurance companies, you can expect to pay cheaper rates than you would with government agencies.

6. You can see savings of hundreds of dollars on your home insurance policy by requesting for insurance quotes from quote sites. The best way is to visit not less than five quotes sites and ensuring that you input the same (correct) information about yourself. I recommend that you use a minimum of five quotes sites as it will ensure you do not miss out better quotes not presented by the other sites. This gives you a broader basis for doing better comparisons thus increasing your chances of better quotes.

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