California Homeowner Insurance -- 7 Proven Tips

Everyone can get high value coverage without paying top price. You just need the right information and the motivation to implement what you'll learn to start enjoying a more affordable rate. Let us now look at several proven ways to get more for a lot less...

1. Make sure you don't forget to subtract the land's cost from the home's cost as you apply for a California home insurance policy. People who ignorantly do this are paying a lot more than would be of any benefit. You've made the same mistake if you insured your house for the price you bought it without checking the cost of the land it's built on and subtracting it.

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

With such a review you will lower your premiums by a huge margin and still have enough California home insurance coverage. Bear it in mind that insuring the land your home is standing on is plain waste of money since it does you no good whatsoever.

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2. You will pay more or less depending on your credit rating. You'll attract higher California home insurance rates if you have a low credit rating. What your credit rating shows is how you have handled your bills and it speaks negatively about you if it's a poor one. An insurance company takes this to mean that you're not financially very responsible and will possibly default in paying your premiums. This makes you less attractive to them and you, therefore, are made to pay much more than someone else with similar profile that has a very good rating.

Therefore, it is a wise decision to pay all your bills once they are due. It will help you get cheaper rates among other things.

3. You'll get more affordable rates if you elect to pay your rates yearly and not monthly. Your insurance carrier sends 12 notices for monthly payments as against one for yearly payments. This increases their overhead.

If you include the fact that each check you cut is considered a transaction by their bankers, you'll see that they still pay extra on transaction charges for each check you pay in. Twelve checks mean Twelve transactions and will attract 12 separate charges.. And, believe it or not, these additional costs are ultimately added to your rates.

Therefore, you will attract lower rates if you decide to pay your premiums annually. 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 bring down your rates. Do you have things that could likely aid combustion near your structure? They'll make you pay more. Bushes near your home should be cut and maintained at not less than ten feet from your building. The risk of fire in a house is one very strong factor that influences your California home insurance premium.

5. You will pay less if you've got motion-sensitive lighting for your home's exterior. Burglars will avoid any place where their movement will be easily observed. And motion-sensitive lighting does just that. Your rate will be reduced once you've reduced your home's risk of burglary with this type of lighting.

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6. Dead-bolt locks on all doors to the exterior will help you get a more affordable rate. This makes it difficult for intruders or burglars to have their way. And because a home's risk of burglary is a key factor in calculating your California home insurance premiums, you'll spend far less.

7. Window locks on all windows will help you save since they reduce your home's risk of burglary. You'll save even much more if you go one step more to have burglary-proof bars fixed on every window. If you're not one of those people who have a deep hatred for these kind of fittings, they'll help you get reasonable discounts. So, if you don't mind having burglary-proof bars in your house, have them built in and you will pay a lot less in your California home insurance rate.
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