California Home Owners Insurance -- Seven Proven Tips

You can enjoy high quality coverage without breaking the bank. You just need the right information and the determination to practice what you'll learn to start enjoying a more affordable rate. Below is a list of steps that will help you reach this goal...

1. Do not insure your home along with the land it is built on as this will cost you more but very needless. A good number of folks pay much more than they should on California home insurance because they made this mistake. You have made the same mistake if you insured your home for the cost you bought it without checking the cost of the land it's built on and subtracting it.

If you did this quickly meet with your agent and check through your California home insurance policy. Subtract the value of your land and buy coverage only for your house and its contents.

This means you will spend a lot less on California home insurance. Because insurance is for valuables that can be lost or damaged, insuring the land which can neither get lost or damaged isn't right.

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2. Your rate is partly determined by your credit rating. The poorer your credit rating, the higher the rates you get. If your credit rating is poor then you've been missing important payments. An insurer takes this to mean that you're not financially very responsible and will likely default in paying your premiums. This marks you out as a bigger risk and so attracts a higher rate.

Therefore, it will do you much good to clear all your bills once they are due. It will help you get cheaper rates among other things.

3. You'll get more affordable rates if you elect to pay your premiums yearly and not every month. This is because posting 12 bills by mail monthly costs your insurer a lot.

If you add to the fact that each check you send is seen as a transaction by their bankers, you'll see that they still pay some more on transaction fees for each check you pay in. Twelve checks mean Twelve transactions and will draw Twelve separate fees.. And, if you really come to think of it, these extra overheads are ultimately added to your rates.

So, you'll attract cheaper premiums if you opt to pay your premiums annually. The real amount you could save might differ but you may be able to save up to a month's premium worth with some insurers if you choose this option.

4. Ensure that the exterior of your house is fire-safe and your premium will be cheaper. Having things that are highly inflammable or that aid combustion around your dwelling will make you pay more expensive rates. Bushes near your home should be cut and maintained at a distance of at least 10 feet from your structure. The risk of fire in a home is a very strong factor that determines your California home insurance rate.

5. You'll get cheaper rates if you've got motion-sensitive lighting for your home's exterior. Burglars will avoid any place where their movement will be easily noticed. And motion-sensitive lighting does just that. The risk of burglary is a key factor in calculating a home's risk to an insurance company and, by extension, your rate.

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6. Dead-bolt locks on all doors to the exterior will help you attract a more affordable rate. This makes it difficult for intruders or burglars to break in. And as you know, the less the risk of burglary in a home, the more affordable premiums it will attract.

7. Window locks on all windows will help you save since they reduce your home's risk of burglary. Expect to get far cheaper rates if you have windows that have burglary-proof bars If you're not one of those people who insist that having such amounts to being imprisoned in their own home, have them fixed if you intend to lower your California home insurance premiums by a huge margin.
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