California Homeowner Insurance -- 7 Sure Tips

Contrary to what you might be made to believe, it is a lot easy to position yourself for a cheaper rate. The two things that stand between you and attracting a better rate at the moment are the right information and a motivation to make use of the tips you get -- Period. We'll now take a look at a few time-tested ways to get this done...

1. Make sure you do NOT fail to deduct the land's worth from the home's value while applying for a California home insurance policy. Folks do this ignorantly. Insuring your home for the full price you bought it without subtracting the land's worth is a big mistake.

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

This implies that you will pay a lot less on California home insurance. Since insurance is for valuables that you can't afford to lose, insuring the land which can neither get lost or damaged isn't a smart move.

Insurance Quotes

2. Your rate is influenced by your credit history. You will attract higher California home insurance premiums if you have a low credit rating. What your credit rating reveals is how you treat your bills and it speaks negatively about you if it's a poor one. This is a pattern that most insurance carriers believe will be exhibited in the way you handle your premiums. This makes you less attractive to them and you, therefore, are made to pay higher than someone else with the same profile that has an excellent rating.

Therefore, it is a wise decision to pay all your bills once they are due. It makes it easier for you to attract cheaper rates among other things.

3. Electing to pay your rates monthly results in higher rates than you would pay if you choose to pay annually. Your insurer is compelled to send you 12 notices for monthly payments instead of one for annual payments. This costs them more.

The cost increases if you add the fact that they pay transaction charges for processing each check you send them monthly. twelve checks are 12 transactions which attract 12 different transaction charges. And as with every other thing, it's you the end user or policy holder who will be responsible for that cost.

Therefore choose yearly payments instead if you want to make savings this way. What you will save could be as much as 8.5% of your total monthly payments over the course of just one year.

4. Ensure that the exterior of your home is fire-safe and your rate will be cheaper. Do you have things that could easily aid combustion near your structure? They'll make you get higher rates. Even though cutting bushes around your house looks simple, you'll get cheaper rates if you do keep them at a distance of at least 10 feet from your structures. Fire-safety is a major factor that is used to calculate how much or little you pay in premiums.

5. You will get cheaper rates if you have motion-sensitive lighting for your home's exterior. Thieves generally do NOT like to operate in any environment they could be easily noticed or caught. Because thieves avoid houses with such lighting, you lower your home's risk of burglary and, consequently, your premiums.

Insurance Quotes

6. Do ensure that each door to the exterior has dead-bolt locks. It's more difficult for thieves to operate in homes that have such locks. And as you know, the less the risk of burglary in a house, the lower rates it will draw.

7. Window locks on all windows will save you a little since they reduce your home's risk of burglary. You'll save even much more if you go further to get burglary-proof bars fixed on all of them. Therefore, if you are okay with having burglary-proof bars in your home, have them built in and you'll be charged much less in your California home insurance premium.
Get Cheap Home Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!