California Home Insurance -- 7 Proven Tips

Contrary to what you might have thought, it's a lot easy to position yourself for a lower rate. All you need to achieve this goal are little bits of information (that you'd have to put to use, though). We'll now take a look at several time-tested ways to get more for a lot less...

1. Do not insure your house along with the land it is standing on as this is more expensive but very needless. People do this without knowing. You've made the same mistake if you insured your home for the price you bought it without finding out the cost of the land it is standing on and subtracting it.

For folks who have ignorantly done this, call your agent and go through your California home insurance coverage again. Subtract the value of your land and buy coverage only for your structures and its contents.

This means you'll pay a lot less on California home insurance. Bear it in mind that insuring the land your home is built on is plain waste of money since it does you no good whatsoever.

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2. You will spend more or less depending on your credit rating. People who have very good ratings spend far less than those who have poor ratings. If your credit rating is poor then you've NOT been faithful in paying up your bills. No insurer likes this as it suggests a behavior you're very likely to repeat in the payment of rates. This makes you a bigger risk and so attracts a higher rate.

It will, therefore, be a good step to do something about improving your credit rating. Apart from the other benefits in doing so, it will ensure you get lower California home insurance rates.

3. You will get more affordable rates if you choose to pay your rates annually and not monthly. This is because sending you twelve bills by mail each month costs your insurer much.

If you add to the fact that each check you send is considered a transaction by their bankers, you will see that they still pay extra on transaction fees for each check you pay in. Twelve checks mean 12 transactions and will draw Twelve separate charges.. These and other charges so incurred by your insurance company are ultimately borne by you, the policy holder..

Therefore opt for yearly payments instead if you want to make savings through this means. You could save up to a month's premium within a year.

4. Make the exterior of your home fire-safe and you'll reduce your California home insurance rate. You'll be doing the right thing if you ensure there's nothing that's inflammable around your home. Although cutting bushes around your house looks mundane, you'll get cheaper premiums if you do maintain them at a distance of at least 10 feet from your building. Fire-safety is a major factor that determines what you pay as premiums.

5. You'll pay less if you have motion-sensitive lighting in your home. Burglars naturally don't like to operate in any environment they could be easily noticed or caught. The risk of burglary is a strong factor in determining a home's risk to an insurer and, by extension, your premium.

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6. Do ensure that every door that leads outside has dead-bolt locks. This makes it hard for intruders or burglars to break in. The more protected your home is against burglary, the lower the risk involved in insuring it.

7. Having 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 all your windows. Although most people don't like this because it makes them feel imprisoned in their own house, it really does lower your premium considerably. If you are not opposed to this have them fitted in your home and enjoy cheaper rates.
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Lower your california home insurance premium Now and Save