California Home Owners Insurance -- Seven Sure Tips

It is truly very easy for everyone to find adequate coverage at a low price. All you need to achieve this feat are little bits of information (Put into good use). We'll now take a look at a number of time-tested ways to get better rates...

1. Don't insure your house along with the land it is standing on as this is more expensive but very needless. Those who ignorantly do this are paying a lot more than would be of any benefit. Insuring your home for the full price you bought it without subtracting the land's cost is an expensive error.

If you did such ignorantly, you need to review your California home insurance coverage and check it again with your agent. Subtract the value of your land and use only the cost of your structures and its contents.

With such a review you will reduce your rates considerably and still leave with enough California home insurance coverage. Don't ever forget that insuring the land your house is built on is plain waste of money since it does you no good whatsoever.

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2. Your credit rating has a big impact on what you pay. The poorer your credit rating, the higher the rates you get. A bad credit rating suggests that you have not been paying your bills in a timely fashion. This is a behavior that most insurance carriers believe will play out again in the way you pay up your premiums. This makes you a bigger risk and therefore attracts a higher rate.

So do all within your power to pay all your bills in a timely manner. It makes it easier for you to attract lower rates among other things.

3. Choosing to pay your premiums monthly results in more expensive premiums than you would pay if you choose to pay annually. A strong reason for this is the cost an insurer incurs by sending you 12 payment notices instead of just one each year.

If you include the fact that each check you cut is considered a transaction by their bankers, you'll see that they still pay some more on transaction fees for each check you pay in. They pay transaction charges 12 times instead of once annually for monthly premiums. And as with every other thing, it is you the end user or policy holder who will be responsible for that cost.

You will get considerable savings if you begin to pay annually. You could save up to a month's premium within a year.

4. A fire-safe home exterior will help lower your rates. You'll do well if you ensure there's nothing that is inflammable around your home. Even though cutting bushes around your home looks mundane, you will get lower rates if you do maintain them at a distance of at least ten feet from your structures. This is because how fire-safe a home is goes a long way in determining what it will cost to insure it.

5. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, makes it easier for you to get lower California home insurance rates. Your home becomes less attractive to thieves since they'll be spotted easily. Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, by extension, your premiums.

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6. Getting dead-bolt locks on every exterior door will reduce your California home insurance premium. It's more difficult for thieves to break into homes that have such locks. And because a home's risk of burglary is a major factor in calculating your California home insurance premiums, you'll pay far less.

7. Fitting window locks on all your windows will help lower your home's risk of burglary. You can take this to another level by fixing burglary-proof bars on them all. Although most people don't like this because it makes them feel like a prisoner in their own home, it really does lower your premium considerably. If you are not one of those people who insist that having such amounts to being imprisoned in their own home, have them fixed if you want to reduce your California home insurance rates by a huge margin.
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