Cheap California Homeowners' Insurance -- 6 Guaranteed Ways To Bigger Discounts

Contrary to what you might have come to expect, you don't really need to do very difficult things in order to attract the most affordable policy that gives you adequate coverage. Just knowing some compulsory things and applying them will make a huge difference. I'll take the pains here to share such things...

1. You will as well get a discount if you have motion-sensitive lighting in your home. Burglars will avoid any place where their activities will be easily observed. And motion-sensitive lighting does this exactly. Your California homeowner insurance rate will be reduced once you've reduced your home's risk of burglary with this type of lighting.

2. Don't leave ladders in areas where anyone can easily pick them. Doing this would be making a thief's job a lot easier. Do not also abandon your tools, machinery or such on the lawn or anywhere in the open as they could lead to accidental injury and add to your liability claims. They also make breaking and entry a lot easier for thieves. Keeping these things properly will save you a lot of heartaches along with lower rates.

3. It's more expensive and needless to insure the land on which your home is built. Some folks spend much more than they should on home insurance because they make this mistake. They just insure their house for its entire value without deducting the cost of the land.

If you made this mistake quickly meet with your agent and check through your home insurance policy. Subtract the price of the land and you will realize that you'll need far less coverage.

With such a review you will lower your California homeowner insurance rates considerably and still leave with enough 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.

4. Electing to pay your premiums on a monthly basis leads to more expensive premiums than you would pay if you choose to pay yearly. An insurer is compelled to send you 12 notices for monthly payments instead of one for annual payments. This increases their overhead.

Furthermore, each check they get attracts its own transaction fees too. Twelve checks mean 12 transactions and will draw 12 separate charges.. And, believe it or not, these extra costs are eventually added to your rates.

Therefore, you will attract cheaper premiums if you choose to pay your rates yearly. You could save up to a month's premium within a year.

5. Set up your account to pay your rates automatically and you will enjoy more affordable California home insurance rates for that. If you don't know how to do this, ask your banker or agent. This is encouraged because of how easy it is and the fact that you also enjoy a discount.

6. Visit not less than five insurance quotes sites. Visiting a minimum of five quotes sites increase the chances that you'd obtain cheaper home insurance quotes. This is because insurers not represented by one site would be covered by another. Moreover, you know that since your chances of receiving lower home insurance quotes is related to the range of quotes you get, the more insurance companies you obtain quotes from, the higher your chances will be. Requesting for your home insurance quotes online will help you save much more if you take out only 25 minutes to obtain quotes from not less than five sites.


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