REDUCE YOUR CALIFORNIA HOME INSURANCE RATE COMPARE AND SAVE NOW

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Tuesday, November 17, 2009

California Homeowner Insurance -- Ways To Get Big Discounts


Are you really interested in slashing your California home owner insurance costs by reducing your insurance premium? If so, look no further as this article will explain steps to take and point you to all you need to get the cheapest rates. I'll share guaranteed tips for anyone to get the cheapest rate for their profile and requirements. And this will be without compromising the quality of coverage you enjoy. Here they are...

1. It pays to buy more than one policy from the same insurer as this will attract considerable savings. This qualifies you for a multi-policy discount. But you might make more savings with different insurers than you'll get from a multi-policy discount.

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2. You lower your California homeowners insurance premium by taking steps that will make your house more disaster-proof. The following are also needful after taking measures against fire and burglary depending on your locality...

a. You will get superior protection from wind damage if you fit a storm shutter.

b. Those who live in locations that experience high winds will will be better protected if they use heavy roofing material. That is apart from the fact that it helps reduce their rates.

c. If you reside in a state where earthquakes are a threat, you will get a discount if your house is retrofitted for earthquake protection.

d. For those who have trees on their properties, you will save yourself in your California homeowners' insurance premium if you ensure that you cut off every dead or dry branch since they can easily cause injuries or damages that will lead to liability claims.

e. It is also recommended that you do not have trees to your structure. This is because tree limbs over or close to buildings could easily cause extensive damage if they fall off for any reason. In addition, having these over your roof could seriously lower its lifespan depending on the material used.

Your agent will help you with other things that you can do to make your home a lower risk to your insurance company.

Compare what applying each would cost and by what factor it will lower your rate. Apply those that justify your expenses and you will attract lower rates.

3. Don't insure your home along with the land it is built on as this will cost you more but quite unnecessary. A good number of folks spend much more than they should on their California home owners insurance due to this mistake. They just insure their house for its full value without deducting the land's cost.

For those who've ignorantly done this, call your agent and check your California homeowners' insurance coverage again. Subtract the price of the land and you will realize that you'll need far less coverage.

Doing this will lower your rates considerably and still leave with sufficient home insurance coverage. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.

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4. The level to which you reinforce your roof could make you eligible for a discount. This is particularly true if you reside in the East where high winds are a serious threat. If you want to know how to reinforce your roof and get discounts for doing so, discuss with your agent.

5. Government home insurance policies could really be more expensive than policies from private insurers. Natural disasters in certain areas made it very difficult for folks there to get home insurance coverage. The only solution for such people then was to go to a government agency that sold government California homeowners insurance. The story is quite different now as private insurers are beginning to cater for such areas.

Many may still have little or no other means of getting home insurance coverage apart from a government California homeowners' insurance. But for those whose areas are now serviced by private insurers, you can expect to pay more affordable rates than you would with government agencies.

6. You can realize savings of hundreds of dollars on your home insurance policy by obtaining insurance quotes from insurance quotes sites. The best method is to visit not less than five sites and ensuring that you provide the same (correct) details. I advise that you visit a minimum of five quotes sites as it will make it less likely that you'll miss out better quotes not carried by the other sites. This offers you a broader basis for doing better comparisons thus increasing your chances of realizing more savings.
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