California Home Owners Insurance -- 7 Tested Tips

You can enjoy high value coverage without paying top price. The two things that are holding you from attracting a better rate at the moment are the right information and a motivation to use the tips you get -- That's all. Let's look at a few proven ways to get more for a lot less...

1. Ensure you don't fail to subtract the land's cost from your home's cost as you apply for a California home insurance policy. Those who ignorantly do this pay for more insurance than would do them any good. You have made the same mistake if you insured your house for the cost you bought it without checking the cost of the land it is standing on and deducting it.

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

Your premium will be more affordable and you'll still have enough coverage if you do this right. Because insurance is for valuables that can be lost or damaged, insuring the land which can neither be lost or damaged isn't right.

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2. Your credit rating has a big impact on your rate. Folks who have excellent ratings pay far less than people who have low ratings. A poor credit rating suggests that you've not been paying your bills in a timely fashion. An insurer takes this to mean that you're not financially very responsible and will likely default in paying your rates. This marks you out as a bigger risk and therefore justifies a higher rate.

Therefore, it is a wise decision to pay all your bills once they are due. Apart from the other benefits in doing so, it will help you get cheaper California home insurance rates.

3. Electing to pay your rates monthly leads to higher premiums than you would pay if you choose to pay annually. An insurance carrier sends 12 notices for monthly payments as opposed to one for yearly payments. This costs them more.

If you include the fact that each check you give is considered a transaction by their bankers, you will see that they still pay some more on transaction charges for each check you pay in. Twelve checks mean 12 transactions and will draw 12 separate charges.. And as with every other thing, it's you the end user or policy holder who bears that cost.

Therefore opt for annual payments instead if you intend to make savings through this means. The real amount you could save may differ but you may be able to save up to a month's premium worth with most insurers if you settle for this option.

4. Make the exterior of your home fire-safe and you will lower your California home insurance rate. Do you have things that could easily aid combustion near your structure? They will make you get higher rates. As simple as it looks, cutting back bushes and keeping them up to ten feet from your structures will help lower your premium. Fire-safety is a major factor that is used to calculate how much or little you pay in premiums.

5. You'll get cheaper rates if you've got motion-sensitive lighting on your property. Your home becomes less attractive to thieves since they'll be spotted easily. The risk of burglary is a key factor in checking a home's risk to an insurance company and, consequently, your rate.

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6. Fixing dead-bolt locks on all exterior door will lower your California home insurance premium. They will make it harder for burglars to get into your home. And as you know, the lower the risk of burglary in a house, the cheaper premiums it will attract.

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 have a deep hatred for such, they'll help you get huge discounts. If you are not opposed to this have them fitted in your home and get lower rates.
Lower Rates Saves You A Lot More...
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