California Homeowners Insurance -- 7 Proven Tips

Contrary to what you might have thought, it is quite easy to attract an affordable rate. All you have to do to achieve this end are little bits of information (That is, if you use them). We'll now take a look at several sure-fire ways to get more for a lot less...

1. Do not insure your house along with the land it is built 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. They just insure their house for its full value without deducting the land's cost.

If you made such a mistake, you'll have to re-evaluate your California home insurance coverage and check it again with your agent. Deduct the value of your land and use only the cost of your structures and its contents.

With such a review you will lower your rates by a huge margin and still have adequate California home insurance coverage. No matter what you do and who you get in contact with, bear it in mind that the only things you insure are things that can be lost or destroyed and your land is not one of such.

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2. Your rate is affected by your credit rating. Folks who have excellent ratings spend far less than folks who have low ratings. What your credit rating shows is how you treat your bills and it speaks negatively about you if it is a poor one. No insurer is happy with this as it suggests a pattern you're very likely to repeat in the payment of premiums. This makes you a higher risk to them and you, therefore, are made to spend higher than someone else with the same profile that has a very good rating.

Therefore, it is a wise decision to pay all your bills promptly. You'll get cheaper rates if you do.

3. Electing to pay your premiums monthly results in more expensive premiums than you'd spend if you choose to pay annually. An insurer is compelled to send you 12 notices for monthly payments instead of one for yearly payments. This increases their overhead.

The cost increases if you include the fact that they pay transaction fees for processing each check you send them monthly. 12 checks are 12 transactions which attract 12 different transaction charges. These and other charges so incurred by your insurance company are eventually borne by you, the insured..

You will get reasonable savings if you begin to pay annually. What you will save could be as much as 8.5% of your total monthly premiums over the course of just one year.

4. Make the exterior of your house fire-safe and you will reduce your California home insurance rate. Do you have things that could likely help combustion near your structure? They will make you pay more. As easy as it seems, cutting back bushes and keeping them up to 10 feet from your building will help reduce your premium. This is because how fire-safe a house is goes a long way in shaping what it will cost to insure that home.

5. Motion-sensitive lighting reduces your home's risk of burglary and, as a result, helps you get lower California home insurance premiums. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does this exactly. Your rate will be reduced you have reduced your home's risk of burglary through this type of lighting.

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6. Dead-bolt locks on all doors to the exterior will help you attract a cheaper rate. This makes it difficult for intruders or burglars to have their way. The more secured your home is against burglary, the better the risk involved in insuring it.

7. Window locks on all windows will help you save since they reduce your home's risk of burglary. You can take this to another level by fixing burglary-proof bars on them all. If you have nothing against this have them fitted in your home and enjoy more affordable rates.
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