California Homeowners Insurance -- Seven Tested Tips

Contrary to what you might have thought, it's a lot easy to get an affordable rate. All you need to achieve this end are little bits of information (that you'd have to put to use, though). Here are several tips that will help you get to this goal...

1. Ensure you do NOT forget to subtract the land's worth from the home's cost as you apply for a California home insurance policy. A good number of folks pay much more than they should on California home insurance on account of this mistake. They just insure their house for its entire value without removing the land's cost.

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

This implies that you will pay far less on California home insurance. Always remember that insuring the land your home is standing on is real waste of money because it does NOT give you any added advantage.

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2. Your credit rating has a serious impact on your rate. Folks who have very good ratings pay far less than folks who have low ratings. What your credit rating shows is how you treat your bills and it speaks negatively about you if it is a poor one. No insurer likes this as it shows a pattern you are quite likely to repeat in the payment of premiums. This makes you a higher risk to them and you, therefore, are made to pay much more than some other person with the same profile that has an excellent rating.

It will, therefore, be a smart step to do something about improving your credit rating. It will help you get cheaper rates among other things.

3. Making your premium payments once every year will save you much when compared to monthly payments. This is because sending you twelve payment notices by mail each month costs your insurer a lot.

If you add to the fact that each check you give is considered a transaction by their bankers, you will see that they still spend some more on transaction fees for each check you pay in. They pay transaction fees 12 times instead of once annually for monthly payments. These and other costs so incurred by your insurer are ultimately paid by you, the policy holder..

You will make considerable savings if you begin to pay annually. You could save up to a month's premium in just a single year.

4. Ensure that the exterior of your house is fire-safe and your premium will be lower. Having things that are very inflammable or that help combustion around your dwelling will make you pay higher rates. Bushes around your house should be cut and maintained at a distance of at least 10 feet from your structure. This is because how fire-safe a house is goes a long way in shaping what it will cost to insure that home.

5. You'll pay less if you've got motion-sensitive lighting for your home's exterior. Thieves understandably don't like to operate in any place they could be easily seen or caught. Your rate will be lower once you've lowered your home's risk of burglary with this type of lighting.

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6. Fixing dead-bolt locks on all exterior door will bring down your California home insurance premium. It's more difficult for thieves to operate in homes that have these locks. And as you know, the lower the risk of burglary in a home, the cheaper premiums it will attract.

7. Window locks on all windows will save you a little since they reduce your home's risk of burglary. You can take this to another level by fixing burglary-proof bars on all your windows. So, if you are not bothered by having burglary-proof bars in your home, have them fixed and you'll pay a lot less in your California home insurance premium.
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