California Home Owners Insurance -- 7 Sure Tips

Contrary to what you might have thought, it's a lot easy to get an affordable rate. All you need to achieve this goal are pieces of information (that you'd have to put to use, though). Let us get into the steps you need to enjoy cheaper rates...

1. Make sure you don't fail to deduct the land's cost from your home's value as you apply for a California home insurance policy. People who ignorantly do this are paying a lot more than would do them any good. You have made the same mistake if you insured your house for the price you bought it without checking the cost of the land it is standing on and subtracting it.

For folks who've ignorantly done this, meet with your agent and check your California home insurance coverage again. Deduct the land's price and you will find out that you will need far less coverage.

Doing this will reduce your premiums by a huge margin and still have adequate California home insurance coverage. Bearing in mind that insurance is for things that you can't afford to lose, insuring the land which can neither be lost or damaged isn't right.

Insurance Quotes

2. Your credit rating has a huge impact on what you pay. The poorer your credit rating, the higher the rates you get. If your credit rating is bad then you've NOT been faithful in paying up your bills. This is a pattern that most insurance carriers believe will play out again in the way you treat your premiums. This marks you out as a bigger risk and therefore attracts a higher rate.

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

3. Making your premium payments once every year will save you much when compared to monthly payments. This is because sending you 12 bills by mail each month costs your insurer much.

If you add to the fact that each check you make out is considered a transaction by their bankers, you will see that they still spend some more on transaction charges for each check you pay in. They pay transaction fees 12 times instead of once annually for monthly premiums. These and other costs so incurred by your insurance company are eventually passed over to you, the policy holder..

Therefore choose annual payments instead if you want to make savings this way. What you will save could be as much as 8.5% of your total monthly premiums over the course of just one year.

4. Ensure that the exterior of your house is fire-safe and your premium will be cheaper. Do you have things that could easily aid combustion close to your structure? They'll make you pay more. Bushes around your house should be cut and maintained at a distance of at least 10 feet from your structure. Fire-safety is a major point that is used to calculate what you pay as premiums.

5. You will get cheaper rates if you've got motion-sensitive lighting on your property. Your house becomes less attractive to thieves as they'll be spotted easily. Your rate will be lower once you've lowered your home's risk of burglary through this type of lighting.

Insurance Quote

6. Make sure every door that leads outside has dead-bolt locks. They will make it harder for burglars to get into your home. And since a home's risk of burglary is a key factor in calculating your California home insurance rates, you will spend 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 have burglary-proof bars fitted on all of them. If you're not one of those folks who have a deep hatred for these kind of fittings, they'll get you huge discounts. Therefore, if you are not bothered by having burglary-proof bars in your house, have them fixed and you will pay much less in your California home insurance premium.
Get your california home insurance quotes and save
Lower your california home insurance premium Now and Save