California Home Owners Insurance -- Seven Tested Tips

It is truly very easy for you to find adequate coverage at a low price. You just need the right tips and the motivation to implement what you'll learn to get a better rate. Let us get into the tips you need to enjoy more affordable rates...

1. It's more expensive but needless to insure the land on which your house is built. A good number of folks spend much more than they should on California home insurance due to this mistake. You have made the same mistake if you insured your home for the price you purchased it without finding out the cost of the land it's built on and deducting it.

For folks who have mistakenly done this, meet with your agent and go through your California home insurance coverage again. Lower your coverage to the worth of your home and its contents minus the land's cost.

Doing this will lower your premiums considerably and still have sufficient California home insurance coverage. No matter what you do and who you meet, remember that the only things you insure are things that can be stolen or destroyed and your land is not one of such.

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2. You'll pay more or less depending on your credit history. You will attract higher California home insurance premiums if you have a low credit rating. If your credit rating is bad then you've been missing important payments. No insurer is happy with this as it suggests a pattern you are quite likely to repeat in the payment of premiums. This makes you a bigger risk and therefore attracts a higher rate.

So do your utmost to pay all your bills in a promptly. You will attract cheaper rates if you do.

3. You will get more affordable rates if you elect to pay your premiums annually and not every month. An insurer is compelled to send you 12 notices for monthly payments as against one for annual payments. This costs them more.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you give them monthly as payment. twelve checks mean 12 transactions which mean 12 separate transaction charges. And as with every other thing, it is you the client or insured who bears that cost.

You will make considerable savings if you choose to pay annually. The actual amount you could save may differ but expect to save up to a month's premium worth with some insurance companies if you settle for this option.

4. A fire-safe home exterior will help lower your rates. You'll do well if you ensure there's nothing that is inflammable around your building. Bushes around your home should be cut and maintained at not less than ten feet from your building. Fire-safety is a major factor that determines how much or little you pay in premiums.

5. You will as well enjoy a discount if you have motion-sensitive lighting for your home's exterior. Your house becomes a no-go area for thieves as they'll be noticed easily. Your rate will be lower you have lowered your home's risk of burglary with this kind of lighting.

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6. Fixing dead-bolt locks on every exterior door will reduce your California home insurance premium. This makes it difficult for intruders or burglars to break in. The more secured your home is against burglary, the less the risk taken in insuring it.

7. Do you have locks on all your windows? If you don't you will be spending more because of that. You can take this to another level by building in burglary-proof bars on them all. If you're not one of those folks who feel so uncomfortable with such, they'll get you reasonable discounts. So, if you are okay with having burglary-proof bars in your home, have them fixed and you will be charged a lot less in your California home insurance premium.
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