California Homeowners Insurance -- Seven Proven Tips

Contrary to what you might be made to believe, it is a lot easy to position yourself for a lower rate. You just need the right recommendations and the motivation to practice what you'll learn to get a better rate. Let us now look at a few sure-fire ways to get better rates...

1. Don't insure your home along with the land it is built on as this is more expensive but very unnecessary. A good number of people spend much more than they should on California home insurance because they made this mistake. They just insure their home for its complete value without deducting the cost of the land.

If you made this mistake quickly call your agent and re-evaluate your coverage. Subtract the cost of your land and buy coverage only for your home and its contents.

Your rate will be more affordable and you'll still have adequate coverage if you do this right. Don't ever forget that insuring the land your home is standing on is real waste of money since it does you no good whatsoever.

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2. Your credit history has a serious impact on your rate. Those who have very good ratings pay far less than those who have low ratings. If your credit rating is poor then you've NOT been faithful in paying up your bills. This is a pattern that most insurance carriers believe will be exhibited in the way you pay up your premiums. This makes you less attractive to them and you, therefore, are made to spend much more than someone else with the same profile that has a very good rating.

So do your best possible to pay all your bills in a timely manner. Apart from the other benefits in doing so, it will help you get lower California home insurance premiums.

3. Electing to pay your rates monthly results in higher rates than you would spend if you decide to pay annually. A major reason for this is the cost an insurance company incurs by sending you 12 bills instead of just one each year.

Furthermore, each check you send attracts a transaction charge too. 12 checks mean 12 transactions which mean 12 different transaction charges. These and other charges so incurred by your insurer are ultimately borne by you, the insured..

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

4. A fire-safe home exterior will help lower your rates. You'll do well if you don't have anything that's inflammable around your building. As simple as it seems, cutting back bushes and keeping them up to 10 feet from your building will help lower your rates. This is because how fire-safe a house is goes a long way in determining what it will cost to insure it.

5. You will as well enjoy a discount if you have motion-sensitive lighting for your home's exterior. Burglars naturally don't 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 rates.

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6. Dead-bolt locks on all doors to the exterior will help you attract a cheaper rate. They will make it harder for burglars to break into your house. And because a home's risk of burglary is a key factor in calculating your California home insurance rates, you will pay far less.

7. Window locks on all windows will help you save since they reduce your home's risk of burglary. Expect to attract far more affordable rates if you've windows that have burglary-proof bars If you're not one of those people who have a deep hatred for these kind of fittings, they'll get you considerable discounts. Therefore, if you are not bothered by having burglary-proof bars in your house, have them built in and you'll pay much less in your California home insurance premium.
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