Best California Homeowners' Insurance -- Six Guaranteed Tips For Massive Savings

You don't have to do exceptional things in most cases in order to reduce your California home insurance rates. Just knowing a few compulsory things and using them will make a real difference. Here are several things that will help you achieve that goal...

1. You will pay less if you have motion-sensitive lighting in your home. Your house becomes a no-go area for thieves since they'll be noticed easily. The risk of burglary is a strong factor in checking a home's risk to an insurance company and, consequently, your premium.

2. Don't leave ladders in places where anybody can easily pick them. You might be helping burglars with the very tools they need for their operation. Don't also leave pieces of tools lying around. They also make breaking and entry much easier for thieves. All such things will eventually increase premium if you do not keep them in the right place.

3. It is more expensive and very unnecessary to insure the land on which your home is built. A good number of people spend much more than they should on home insurance on account of this mistake. They just insure their home for its complete value without removing the land's cost.

If you made such a mistake, you need to review your home insurance coverage and go through it again with your agent. Deduct the value of your land and use only the cost of your structures and its contents.

Your premium will be less and you'll still have adequate coverage if you do this right. Bearing in mind that insurance is for valuables that can't afford to lose, insuring the land which can neither be lost or damaged isn't a smart move.

4. Electing to pay your rates on a monthly basis leads to more expensive premiums than you would spend if you choose to pay annually. Your insurer sends 12 notices for monthly payments as opposed to one for annual payments. This increases their overhead.

The cost shoots up if you add the fact that they pay transaction fees for processing each check you give them monthly as payment. Twelve checks mean 12 transactions and will draw 12 separate 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 intend to make savings through this means. What you will save could be as much as 8.5% of your total monthly payments over the course of just one year.

5. Set up your account to pay your rates automatically and you'll get more affordable California home insurance rates for that. Just tell your bank that you want an EFT (Electronic Fund Transfer) in favor of your insurer. In addition to saving you in rates you will also save yourself a lot of time and avoidable stress.

6. You can get better rates on home insurance today by visiting a minimum of five insurance quotes sites. Each quotes site will require about 5 minutes or less to obtain quotes. (Some folks fill in information that is not quite correct about themselves. That isn't a smart move as the quotes you'll get this way will NOT be of any use to you). You'll simply choose the best home insurance quote for you from the list of quotes obtained. It's as simple as that. Nevertheless you could make savings hundreds of dollars.


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