California Home Insurance -- Seven Tested Tips

It is really very easy for you to find adequate coverage at a low price. All you have to do to achieve this end are pieces of information (that you'd have to put to use, though). Let us now look at a number of sure-fire ways to get this done...

1. Make sure you do NOT fail to subtract the land's value from your home's cost while applying for a California home insurance policy. Those who ignorantly do this pay for more insurance than would be of any benefit. They just insure their house for its complete value without removing the land's cost.

For folks who've mistakenly done this, meet with your agent and go through your California home insurance coverage again. Subtract the land's value and you'll realize that you will need far less coverage.

This implies that you'll spend a lot less on California home insurance. Bear it in mind that insuring the land your home is built on is real waste of money since it does NOT give you any added advantage.

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2. You'll spend more or less depending on your credit history. Folks who have very good ratings spend far less than people who have low ratings. If your credit rating is poor then you've NOT been faithful in paying up your bills. This is a pattern that most insurers believe will be exhibited in the way you treat your premiums. If you are seen as a likely defaulter, it makes you a bigger risk and draws more expensive rates than otherwise.

It will, therefore, be a smart step to do something about making your credit rating better. You will get cheaper rates if you do.

3. Yearly premium payments will save you a lot when compared to monthly payments. A major reason for this is the cost an insurance company incurs by sending you twelve payment notices instead of just one each year.

Furthermore, each check you send attracts its own transaction charge too. 12 checks are 12 transactions which attract 12 different transaction charges. And as with every other thing, it is you the customer or insured who bears that cost.

As a result, you'll attract lower rates if you opt to pay your premiums annually. The real amount you could save may differ but you may be able to save up to a month's premium worth with most insurers if you choose this option.

4. Make the exterior of your house fire-safe and you will lower your California home insurance rate. You'll be doing the right thing if you don't have anything that is inflammable around your building. Although cutting bushes around your home looks simple, you'll get cheaper rates if you do keep them at a distance of at least 10 feet from your building. Fire-safety is a strong factor that is used to calculate how much or little you pay as premiums.

5. Motion-sensitive lighting reduces your home's risk of burglary and, therefore, makes it easier for you to get lower California home insurance rates. Thieves generally don't like to operate in any environment they could be easily noticed or caught. Your rate will be lower you have lowered your home's risk of burglary through this kind of lighting.

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6. Dead-bolt locks on all doors to the exterior will help you attract a cheaper rate. It's more difficult for burglars to operate in homes that have these locks. The more protected your home is against burglary, the better the risk taken in insuring it.

7. Having window locks on all your windows will help lower your home's risk of burglary. You'll save even a lot more if you go further to get burglary-proof bars fixed on all of them. Even though most people don't like this because it makes them feel like a prisoner in their own house, it really does reduce your rate considerably. If you have nothing against this have them fitted in your home and get lower rates.
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Lower your california home insurance premium Now and Save