California Homeowner Insurance -- 7 Sure Tips

It is quite very easy for you to find the right coverage for a lot less. You just need the right tips and the motivation to practice what you'll be taught to start enjoying a more affordable rate. Let's get into the ideas you need to enjoy more affordable rates...

1. It's more expensive but very unnecessary to insure the land on which your home is standing. A good number of people spend much more than they should on California home insurance due to this mistake. Insuring your home for the purchased price without subtracting the land's cost is an expensive error.

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

Doing this will reduce your rates by a huge margin and still leave with enough California home insurance coverage. No matter what you do and who you meet, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.

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2. What you pay as premium is affected by your credit rating. You will attract higher California home insurance premiums if you have a poor credit rating. A bad credit rating means that you have not been paying your bills promptly. An insurance company interprets this to mean that you're financially irresponsible and will possibly default in paying your premiums. This makes you a bigger risk and therefore attracts a higher rate.

Therefore, it will do you much good to clear all your bills once they are due. It makes it easier for you to get lower rates among other things.

3. Making your premium payments once every year will save you a lot when compared to monthly payments. A strong reason for this is the cost an insurance company incurs by posting you twelve payment notices instead of just one each year.

The cost shoots up if you include the fact that they pay transaction fees for processing each check you give them monthly as payment. Twelve checks mean 12 transactions and will draw 12 separate charges.. And, believe it or not, these extra overheads are eventually added to your rates.

So, you will attract lower premiums if you choose to pay your premiums yearly. The actual amount you could save might differ but expect to save up to a month's premium worth with some insurance companies if you choose this option.

4. Ensure that the exterior of your house is fire-safe and your rate will be more affordable. Having things that are highly inflammable or that help combustion close to your building will make you pay more expensive rates. As easy as it looks, cutting back bushes and maintaining them up to ten feet from your building will help reduce your rates. The likelihood of fire in a home is one very strong factor that influences your California home insurance rate.

5. You will also enjoy a discount if you have motion-sensitive lighting for your home's exterior. Thieves naturally do NOT like to operate in any environment they could be easily seen or caught. Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, consequently, your rates.

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6. Do ensure that every door to the exterior has dead-bolt locks. It's harder for burglars to operate in homes that have such locks. And since a home's risk of burglary is a strong factor in calculating your California home insurance premiums, you'll pay far less.

7. Window locks on every window will help you save since they reduce your home's risk of burglary. You'll save even a lot more if you go one step more to get burglary-proof bars fitted on every window. If you're not one of those folks who claim that having such makes them feel imprisoned in their own house, have them fitted if you want to lower your California home insurance rates considerably.
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