California Homeowner Insurance -- Ways To Get Massive Discounts

Are you really interested in cutting down your California homeowners' insurance costs by saving on your insurance premium? Then you're reading the right article. I'll share time-tested steps for anyone to get the best rate for their profile and requirements. In addition, the tips I'll give to you will NOT compel you to downgrade your coverage all in the name of realizing savings. Here are the tips...

1. It pays to buy more than one policy from the same insurer as this will bring huge savings. This qualifies you for a multi-policy discount. Even though you'll receive discounts for purchasing multiple policies from the same insurance company, you may make more by purchasing each of your policy from different insurers.

2. You lower your California homeowner insurance rate by enforcing measures that will make your home more disaster-proof. Apart from making sure that you have all in place to prevent fire and burglary, the following are recommended for different locations...

a. Storm shutters will afford your home superior protection from wind damage.

b. Folks who live in areas that are prone to high winds will will be better protected if they use heavy roofing material. That is apart from the fact that it helps lower their rates.

c. Retrofitting your home as a defence against earthquakes.

d. Cutting off dry limbs on trees on your property will lower the probability of a branch falling off and causing injury and/or damage.

e. Ensure that you do not have tree branches with limbs above your roof or near your building. A tree can aid burglars and their branches can also fall off and destroy part of your structures. Depending on your roofing material, this could also reduce its lifespan.

Your agent will help you with other things that you can do to make your home a better risk to your insurer.

It is also important to check if the discount you'll receive justifies the cost of implementing the advice. Use those that justify your expenses and you will get lower rates.

3. Ensure you don't make the mistake of not subtracting the land's cost from the home's cost as you apply for an California homeowner insurance policy. A good number of people pay much more than they should on their California home owner insurance due to this mistake. They just insure their house for its complete value without subtracting the cost of the land.

If you made such a mistake, you'll have to review your California home owner insurance coverage and go through it again with your agent. Subtract the value of your land and use only the cost of your house and its contents.

This means you'll spend a lot less on home insurance. Don't ever forget that insuring the land your home is built on is plain waste of money since it does you no good whatsoever.

4. You will spend less if you take measures to improve the quality and strength of your roof. This is particularly true if you live in the East where high winds are a serious threat. You can get tips from your agent on how you can reinforce your roof and receive discounts as a result. Fitting heavier shingles is one way of doing it.

5. You may be spending much more if you have a government homeowner's insurance policy. It used to be quite difficult to find insurers if you live in some high crime areas or places that were affected by particular natural disasters. Then it was only the government's policy that was available to them. The case is really different now as private insurance companies are beginning catering for such areas.

Some may still have little or no other way of getting home insurance coverage apart from a government homeowner's insurance. However, this is not generally the case as you may get better coverage at a cheaper price from some private insurers.

6. You can reduce your California home owner's insurance rates by asking for and comparing quotes from at least five reputable insurance quotes sites.

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