California Home Insurance -- Seven Tested Tips

It is really very easy for everyone to get the right coverage for a lot less. All you need to achieve this goal are pieces of information (That is, if you implement them). Let's get into the steps you need to enjoy more affordable rates...

1. Make sure you do NOT fail to deduct the land's value from the home's cost while applying for a California home insurance policy. Some people pay much more than they should on California home insurance on account of this mistake. You've made the same mistake if you insured your house for the cost you purchased it without checking the cost of the land it's standing on and subtracting it.

For those who've ignorantly done this, call your agent and check your California home insurance coverage again. Subtract the land's cost and you'll discover that you will need far less coverage.

Doing this will reduce your premiums considerably and still have adequate California home insurance coverage. No matter what you do and who you meet, bear it in mind that the only things you insure are things that can be stolen or damaged and your land is not one of such.

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2. You will pay more or less depending on your credit rating. The poorer your credit rating, the higher the rates you attract. 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 handle your premiums. This makes you a bigger risk and therefore justifies a higher rate.

It will, therefore, be a good step to do something about improving your credit rating. You will get lower rates if you do.

3. You will get more affordable rates if you choose to pay your rates annually and not every month. A major reason for this is the cost an insurance company incurs by posting you 12 bills instead of just one annually.

The cost increases if you add the fact that they pay transaction fees for processing each check you give them monthly as payment. They pay transaction charges twelve times instead of once a year for monthly premiums. These and other charges so incurred by your insurer are eventually paid by you, the insured..

So, you'll get lower premiums if you choose to pay your premiums annually. The actual amount you could save might differ but expect to save up to a month's premium worth with some insurers if you choose this option.

4. A fire-safe home exterior will help bring down your rates. You'll do well if you don't have anything that is inflammable close to your home. Bushes near your house should be cut and maintained at not less than ten feet from your structure. This is because how fire-safe a home is goes a long way in determining what it will cost to insure that home.

5. You will pay less if you've got motion-sensitive lighting on your property. Your home becomes a no-go area for thieves since they'll be noticed easily. Because thieves keep off from houses with such lighting, you reduce your home's risk of burglary and, consequently, your premiums.

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6. Dead-bolt locks on all your exterior doors will help you get a lower rate. It's harder for thieves to break into homes that have such locks. And because a home's risk of burglary is a key determinant of California home insurance rates, you will pay far less.

7. Do you have locks on each of your windows? If you do NOT you'll be spending more because of that. You can take this to another level by fixing burglary-proof bars on them all. If you're not one of those people who have a deep hatred for such, they'll help you get considerable discounts. If you are NOT against this quickly fix them in your home and get more affordable rates.
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